| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $52K | — | $52K | 5.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY STE 400 LEXINGTON, KY 40509 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $13K | 12.63% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC-SC | — | DELTA DENTAL OF MISSOURI | $5K | — | $5K | 8.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF SC | 1170 WILSON HALL RD SUMTER, SC 29150 | DELTA DENTAL OF MISSOURI | $1K | — | $1K | 1.79% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 109 | $1.0M |
| Dental | DELTA DENTAL OF MISSOURI | 210 | $61K |
| Vision | PHYSICIANS EYECARE PLAN | 76 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $106K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 109 | $1.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.