| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 111 CONTINENTAL DR, STE 2405 NEWARK, DE 19713 | AMERITAS LIFE INSURANCE CORP | $5K | $0 | $5K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 11 CONTINENTAL DR STE 405 NEWARK, DE 19713 | STANDARD INSURANCE COMPANY | $3K | $386 | $3K | 15.67% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 111 CONTINENTAL DR, STE 405 NEWARK, DE 19713 | STANDARD INSURANCE COMPANY | $3K | $386 | $3K | 15.67% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 11 CONTINENTAL DR STE 405 NEWARK, DE 19713 | STANDARD INSURANCE COMPANY | $2K | $225 | $2K | 16.47% |
| AP BENEFIT ADVISORS, LLC3 | 220 CONTINENTAL AVE STE 209 NEWARK, DE 19713 | VISION SERVICE PLAN | $609 | $0 | $609 | 6.27% |
| AP BENEFIT ADVISORS, LLC3 | 111 CONTINENTAL AVE STE 405 NEWARK, DE 19711 | VISION SERVICE PLAN | $127 | $0 | $127 | 1.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $84K |
| IFS BENEFITS, LLC EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $46K |
| REVIVEHEALTH, INC. EIN 86-1279290 OTHER | Other services Service code 49 | — | $10K |
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $5K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 82 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 149 | $51K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 149 | $61K |
| Life insurance | STANDARD INSURANCE COMPANY | 82 | $13K |
| Short-term disability | STANDARD INSURANCE COMPANY | 82 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 82 | $22K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 70 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.