| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | DELTA DENTAL INSURANCE COMPANY | $140K | — | $140K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $286K | $177K | $462K | 24.27% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $144K | $125K | $269K | 18.69% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $109K | $100K | $209K | 19.09% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | RELISTAR LIFE INSURANCE COMPANY | $111K | $22K | $133K | 24.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | DELTA DENTAL INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $17K | — | $17K | 4.24% |
| FLAGLER FINANCIAL INC.3 | 12 OFFICE PARK DRIVE PALM COAST, FL 32137 | EYEMED VISION CARE | $2K | — | $2K | 0.61% |
| SUMMERLIN BENEFITS CONSULTING INC.3 | PO BOX 1536 CALLAHAN, FL 32011 | EYEMED VISION CARE | $2K | — | $2K | 0.61% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | ARAG INSURANCE COMPANY | $18K | — | $18K | 9.45% |
| FLAGLER FINANCIAL INC.3 Filed as: FLAGLER COUNTY INSURANCE AGENCY INC | 406 EAST MOODY BLVD BUNNELL, FL 32110 | ARAG INSURANCE COMPANY | $1K | — | $1K | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 MED/RX ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $3.1M |
| PAY FLEX EIN 91-1774434 FSA ADMINISTRATOR | Claims processing Service code 12 | — | $36K |
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 | 8,770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 237 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 3,973 | $3.3M |
| Vision | EYEMED VISION CARE | 4,512 | $392K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,770 | $1.9M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,466 | $1.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,457 | $1.1M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,770 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,770 | — |
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.