| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVENUE SUITE 250 ST LOUIS, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $100K | $100K | 3.32% |
| PLATINUM PLANNING INC3 | 718 RIVER RD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $40K | $40K | 1.32% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $38K | $38K | 1.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.34% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $348 | $2K | 1.71% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NC 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.56% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $280 | — | $280 | 0.31% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $232 | $2K | 4.56% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $742 | — | $742 | 1.68% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $742 | $742 | 1.68% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $173 | $2K | 4.31% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $641 | — | $641 | 1.53% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $641 | $641 | 1.53% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVE STE 250 CLAYTON, MO 63105 | VISION SERVICE PLAN | $866 | — | $866 | 3.88% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 077043359 | VISION SERVICE PLAN | $324 | — | $324 | 1.45% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVE STE 250 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $698 | $33 | $731 | 10.77% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | — | $320 | 4.71% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $107 | $107 | 1.58% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $3.0M |
| Vision | VISION SERVICE PLAN | 188 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $42K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $44K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $3.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
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.