| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $145K | $145K | 6.60% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 2305 RIVER RD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $70K | $74K | 7.78% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $201K | $23K | $224K | 38.94% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $3K | $6K | 15.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.4M |
| COMPSYCH EIN 36-3739783 EAP | Claims processing Service code 12 | — | $84K |
| UNITED OF OMAHA LIFE INSURANCE CO EIN 47-0322111 STD ADMINISTRATION | Claims processing Service code 12 | — | $7K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 MEDICAL BROKER | Other commissions Service code 55 | — | $0 |
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 | 4,980 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 87 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 3,421 | $2.4M |
| Vision | VISION SERVICE PLAN | 2,957 | $361K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,980 | $2.2M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,816 | $946K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,816 | $946K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,980 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,980 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.