| 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 | $104K | — | $104K | 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 | $56K | — | $56K | 18.47% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NA | $21K | — | $21K | 9.17% |
| 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 | 57.89% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | VISION SERVICE PLAN | $3K | — | $3K | 2.32% |
| AP BENEFIT ADVIOSRS LLC3 | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 13.75% |
| 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 | $7K | — | $7K | 18.64% |
| 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 | $4K | — | $4K | 13.76% |
| 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 | $966 | — | $966 | 6.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TELEMEDICINE MANAGEMENT, INC. EIN 26-1306606 TELEMEDICINE FEES | Other fees; Other services Service code 49 | — | $80K |
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 | 1,431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,115 | $12.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 1,125 | $137K |
| Vision | VISION SERVICE PLAN | 967 | $131K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,156 | $129K |
| Long-term disability | LIFE INSURANCE COMPANY OF NA | 1,431 | $231K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,431 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,115 | — |
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.
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.