| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 12.16% |
| EMPLOYER BENEFITS CONSULTING LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 2.63% |
| AP BENEFIT ADVISORS, LLC3 | 4433 BROOKFIELD CORORATE DR STE A CHANTILLY, VA 20151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $565 | $6K | 11.07% |
| AP BENEFIT ADVISORS, LLC3 | 4433 BROOKFIELD CORORATE DR STE A CHANTILLY, VA 20151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $262 | $3K | 11.08% |
| AP BENEFIT ADVISORS, LLC3 | 4433 BROOKFIELD CORORATE DR STE A CHANTILLY, VA 20151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $184 | $2K | 11.19% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $352K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $24K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.