| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $39K | $39K | 8.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 2.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISON SERVICE PLAN | $2K | $0 | $2K | 1.37% |
| JEANNE R SMITH3 Filed as: JEANNE R. SMITH | 21203 157TH AVENUE EAST GRAHAM, WA 98338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 15.59% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 10.01% |
| KELLER BENEFIT SERVICES, INC.3 Filed as: KELLER BENEFITS GROUP, INC. | 19851 K STREET OMAHA, NE 68135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.91% |
| ECKERT BENEFITS GROUP INC3 Filed as: ECKERT BENEFITS GROUP, INC. | 625 MORRISON DRIVE OMAHA, NE 66154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $904 | $0 | $904 | 1.75% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW BUILDING 100, SUITE 100 ATLANTA, GA 30318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $833 | $0 | $833 | 1.62% |
| MITCHELL FRIEHE & ASSOCIATES INC3 Filed as: MITCHELL FRIEHE & ASSOCIATES, INC. | 16909 PALISADES DRIVE OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $791 | $0 | $791 | 1.53% |
| ROSS C NELSON3 Filed as: ROSS C. NELSON AND OTHER AGENTS | 2711 LEIGH LANE PAPILLION, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | $0 | $184 | 0.36% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN GENERAL INSURANCE COMPANY | $848 | $0 | $848 | 6.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $566 | $0 | $566 | 4.37% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $117 | $117 | 0.90% |
| AP BENEFIT ADVISORS, LLC3 | 575 EAST SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $85 | $85 | 0.66% |
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 | 946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 296 | $82K |
| Vision | VISON SERVICE PLAN | 616 | $114K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 946 | $454K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 946 | $454K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 946 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.