| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 220 CONTINENTAL DR STE 209 NEWARK, NJ 19713 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $490 | $6K | 11.09% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.52% |
| NATIONAL BENEFIT CENTER3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $346 | $346 | 1.02% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 24.31% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $177 | $177 | 0.91% |
| AP BENEFITS ADVISORS LLC3 | 220 CONTINENTAL AVE STE 209 NEWARK, DE 19713 | VISION SERVICE PLAN | $654 | $0 | $654 | 7.62% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $657 | $554 | $1K | 18.44% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $64 | $64 | 0.97% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $482 | $407 | $889 | 18.44% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.97% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $148 | $148 | 8.38% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.96% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $53K |
| Vision | VISION SERVICE PLAN | 61 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $2K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $7K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.