| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC - SC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF MISSOURI | $7K | $429 | $8K | 11.03% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $11K | 17.13% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.32% |
| UNITED PRODUCER GROUP, LLC3 Filed as: UNITED PRODUCER | 1439 STUART ENGALS BLVD STE 300 MT PLEASANT, SC 29464 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.30% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.02% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 75236 BALTIMORE, MD 21275 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2 | $2 | 0.01% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC - SC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF MISSOURI | $1K | $56 | $1K | 11.02% |
No Schedule C service providers reported on this filing.
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 141 | $1.3M |
| Dental | DELTA DENTAL OF MISSOURI | 210 | $69K |
| Vision | DELTA DENTAL OF MISSOURI | 170 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $66K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.