| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $13K | $4K | $17K | 2.13% |
| AP BENEFITS ADVISORS LLC3 | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $210 | $210 | 0.03% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | $7K | $45K | 15.89% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $272K |
| OPTUM RX INC. EIN 33-0441200 RX BENEFIT MANAGEMENT | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $201K |
| AP BENEFIT ADVISORS LLC EIN 30-0837157 BROKER | Other commissions Service code 55 | — | $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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $286K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $286K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $286K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $286K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $286K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.