| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $257K | $257K | 7.67% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $6K | $17K | 10.87% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC #183339 | 718 RIVER ROAD FAIR HAVEN, NC 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $7K | 8.31% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS #014429 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $4K | $7K | 8.13% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS #183339 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 11.94% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC #014429 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 11.16% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVE STE 250 ST.LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $128 | — | $128 | 0.27% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS #183339 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $4K | 11.43% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC #014429 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 10.83% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 077043359 | VISION SERVICE PLAN | $1K | — | $1K | 5.09% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC #183339 | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $963 | $4K | 17.75% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC #014429 | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 16.81% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS #183339 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $898 | $254 | $1K | 18.10% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC #014429 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $761 | $299 | $1K | 16.66% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC #183339 | 718 RIVER RD FAIR HAVEN, NJ 07704 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $71 | $16 | $87 | 18.35% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC #014429 | 718 RIVER RD FAIR HAVEN, NJ 07704 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $48 | $23 | $71 | 14.98% |
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 | 286 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 284 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $152K |
| Vision | VISION SERVICE PLAN | 199 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 286 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 273 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $47K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.