| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | BLUECROSS BLUESHIELD OF ILLINOIS | $113K | — | $113K | 0.74% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CA | $158K | $29K | $187K | 19.04% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 90A JOHN MUIR DR SUITE 100 AMHERST, NY 14228 | SUN LIFE ASSURANCE COMPANY OF CA | $49K | — | $49K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | VISION SERVICE PLAN | $3K | — | $3K | 2.16% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD #200 WAYNE, PA 19087 | METLIFE LEGAL PLANS | $4K | — | $4K | 10.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | — | $160 | $160 | 0.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | METLIFE LEGAL PLANS | — | $3 | $3 | 0.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CA | $1K | $772 | $2K | 12.61% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 90A JOHN MUIR DR SUITE 100 AMHERST, NY 14228 | SUN LIFE ASSURANCE COMPANY OF CA | $535 | — | $535 | 3.70% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | SUN LIFE HEALTH INSURANCE COMPANY | $269 | $108 | $377 | 6.22% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CA | $45 | $20 | $65 | 9.57% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 90A JOHN MUIR DR #100 AMHERST, NY 14228 | SUN LIFE ASSURANCE COMPANY OF CA | $23 | — | $23 | 3.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESSSCRIPTS INC. EIN 43-1420563 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $68K |
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 | 1,505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,315 | $15.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 1,163 | $66K |
| Vision | VISION SERVICE PLAN | 989 | $159K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CA | 1,505 | $979K |
| Short-term disability(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CA | 1,505 | $1.0M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CA | 1,505 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,315 | — |
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.