| 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 | $114K | — | $114K | 0.85% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70K | — | $70K | 20.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NA | $26K | — | $26K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 200 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28K | — | $28K | 14.77% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD SUITE 200 WAYNE, PA 19087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 4.60% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $2K | $2K | 1.11% |
| AP BENEFIT ADVIOSRS LLC3 | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF ILLINOIS | $79K | — | $79K | 51.69% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | VISION SERVICE PLAN | $3K | — | $3K | 2.20% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 20.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E. SWEDESFORD RD SUITE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.11% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDEDFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
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 | 1,539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,334 | $13.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 1,201 | $153K |
| Vision | VISION SERVICE PLAN | 1,028 | $152K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,539 | $155K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,539 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NA | 1,539 | $258K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,571 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,334 | — |
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.