| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR SUITE 4500 HUNT VALLEY, MD 21031 | HIGHMARK, INC. | $55K | — | $55K | 3.47% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $6K | $16K | 15.89% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $368 | — | $368 | 4.04% |
| JEFFREY F SPRINGER3 | 161 OWENS STATION RD SUSSEX, NJ 07461 | AFLAC | $114 | — | $114 | 1.25% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $86 | — | $86 | 0.94% |
| ANDREW T CRAWFORD3 | 6 COLLINS PL JACKSONVILLE, IL 62650 | AFLAC | $18 | — | $18 | 0.20% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA SAUNDERS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $9 | — | $9 | 0.10% |
| VICKI S LYNN3 | PO BOX 164 ARENZVILLE, IL 62611 | AFLAC | $9 | — | $9 | 0.10% |
| TAYLER BREANN KLINE3 | 114 W 2ND ST APT 2 BEARSTOWN, IL 62618 | AFLAC | $8 | — | $8 | 0.09% |
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 | 136 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 107 | $1.6M |
| Dental | HIGHMARK, INC. | 107 | $1.6M |
| Vision | HIGHMARK, INC. | 107 | $1.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $100K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $100K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $100K |
| Prescription drug | HIGHMARK, INC. | 107 | $1.6M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.