| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CR STE 4500 HUNT VALLEY, MD 21031 | HIGHMARK DELAWARE | $46K | — | $46K | 2.82% |
| IFS BENEFITS LLC3 Filed as: IFS BENEFITS, LLC | 220 CONTINENTAL DRIVE SUITE 209 NEWARK, DE 19713 | DOMINION NATIONAL | $6K | — | $6K | 9.24% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, LLC | 422 WAUPONSEE ST MORRIS, IL 60450 | DOMINION NATIONAL | $980 | — | $980 | 1.46% |
| AP BENEFIT ADVISORS, LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | HARTFORD LIFE AND ACCIDENT | $7K | $575 | $8K | 13.08% |
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DRIVE GARNET VALLEY, PA 19060 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 2.19% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $0 | $442 | $442 | 0.77% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | HARTFORD LIFE AND ACCIDENT | $0 | $221 | $221 | 0.38% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA IFS BENEFITS 220 CONTINENTAL DR STE 220 NEWARD, DE 19713 | SUPERIOR VISION PLAN | $814 | — | $814 | 6.24% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 123 | $1.6M |
| Dental | DOMINION NATIONAL | 112 | $67K |
| Vision | SUPERIOR VISION PLAN | 168 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 129 | $57K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $57K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 129 | $57K |
| Prescription drug | HIGHMARK DELAWARE | 123 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 129 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.