| 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 | HM LIFE INSURANCE COMPANY | $86K | — | $86K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $7K | $36K | 17.21% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $379 | $3K | 18.48% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $854 | $854 | 4.73% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN. INC. | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | — | $28 | 0.16% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $337 | $3K | 20.06% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 W SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $771 | $771 | 5.58% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC. | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | — | $25 | 0.18% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $148 | $3K | 31.98% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $310 | $310 | 3.52% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC. | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.11% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITIAN LIFE INSURANCE COMPANY | $3K | $136 | $3K | 35.62% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $297 | $297 | 3.43% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN. LLC | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITIAN LIFE INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF AL EIN 63-0103830 HEALTH AND DENTAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $256K |
| DIRECTRX SOLUTIONS EIN 86-3482717 RX FEES | Claims processing Service code 12 | — | $51K |
| INTERCEPT HEALTH EIN 88-1654107 TPA FEES | Other insurance fees and expenses Service code 73 | — | $43K |
| ALLIANCE INSURANCE GROUP, LLC EIN 59-3766006 FSA/HRA ADMIN | Contract Administrator; Claims processing Service code 12 | — | $5K |
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 | 311 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $210K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $210K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $219K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $210K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 266 | $859K |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.