| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MA 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $130K | $130K | 4.59% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MA 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.10% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.57% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.30% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8282 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.98% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$65 | — | -$65 | -0.16% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.46% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.21% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.01% |
| DUFFY LIVINGSTON LLC3 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.09% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.00% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVE STE 250 CLAYTON, MO 63105 | VISION SERVICE PLAN | $1K | — | $1K | 5.12% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.84% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8282 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.57% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$167 | — | -$167 | -0.77% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8282 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$149 | — | -$149 | -0.81% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE SUTIE 400 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $447 | — | $447 | 8.37% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $439 | — | $439 | 8.22% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8282 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $531 | — | $531 | 17.35% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$73 | — | -$73 | -2.39% |
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 | 188 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 281 | $2.8M |
| Vision | VISION SERVICE PLAN | 188 | $22K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 74 | $51K |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $136K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68 | $60K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 281 | $2.8M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.