| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | AMERICAN UNITED LIFE INSURANCE COMPANY | $17K | — | $17K | 17.65% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 20.34% |
| ESTREYA CORTES3 | 103 MAIN STREET LEOLA, AR 72084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $731 | — | $731 | 0.99% |
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 | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 208 | $896K |
| Dental | ARKANSAS BLUE CROSS AND BLUE SHIELD | 252 | $83K |
| Vision | ARKANSAS BLUE CROSS BLUE SHIELD | 218 | $24K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 407 | $94K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 407 | $94K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 407 | $94K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 208 | $896K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 407 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
No prospect flags tripped on this filing.