| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 4.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST #900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | — | $6K | $6K | 2.40% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 19.03% |
| AP BENEFIT ADVIOSRS LLC3 | 200 INTERNATIONAL CIRCLE #4500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.76% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOC. INC. | 8630 DELMAR BLVD SAINT LOUIS, MO 63124 | HARTFORD LIFE AND ACCIDENT | $707 | — | $707 | 0.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS, LLC | 2100 ROSS AVE #1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $649 | $649 | 0.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $316K |
| EXPRESS SCRIPTS EIN 43-1420563 BROKER | Other services; Claims processing Service code 12 | — | $93K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 ASO DENTAL | Claims processing; Contract Administrator Service code 12 | — | $27K |
| H&H HEALTH ASSOCIATES, INC. EIN 43-1710299 EAP ADMIN | Contract Administrator; Claims processing Service code 12 | — | $9K |
| AP BENEFIT ADVISORS LLC EIN 30-0837157 BROKER | Other commissions Service code 55 | — | $1K |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 658 | $37K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 658 | $37K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 391 | $269K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 391 | $269K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 356 | $389K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 391 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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."
No prospect flags tripped on this filing.