| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 EAST 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $24 | $3K | 9.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MA 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $662 | $662 | 1.86% |
| ANDUS LLC3 | 345 ROBERTS AVENUE CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $167 | — | $167 | 0.47% |
| AP BENEFIT ADVISORS, LLC3 | 21 EAST 5TH AVENUE SUITE 205 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 28.62% |
| ANDUS LLC3 | 345 ROBERTS AVENUE CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $884 | — | $884 | 5.64% |
| AP BENEFIT ADVISORS, LLC3 | 21 EAST 5TH AVENUE CONSHOHOCKEN, PA 19428 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 27.85% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET MEDIA, PA 19063 | TRANSAMERICA LIFE INSURANCE COMPANY | $330 | — | $330 | 5.14% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET SUITE 2100 PHILADELPHIA, PA 19103 | TRANSAMERICA LIFE INSURANCE COMPANY | $200 | — | $200 | 3.12% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 46 | $298K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $16K |
| Vision | INDEPENDENCE BLUE CROSS | 46 | $5K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $36K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $42K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 46 | $298K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.