| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 10.95% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.53% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME RD STE 6 AMHERST, NY 142282784 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.04% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL DR STE 4500 HUNT VALLY, MD 21031 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | $13K | $26K | 20.47% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 17543 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.09% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $926 | $0 | $926 | 4.55% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE 4500 HUNT VALLY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANANDA | $2K | $0 | $2K | 9.18% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | SUN LIFE ASSURANCE COMPANY OF CANANDA | $888 | $0 | $888 | 4.52% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CR STE 4500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $510 | $0 | $510 | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CR STE 4500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $210 | $24 | $234 | 16.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $111K |
| AP BENEFIT ADVISORS ASSURED PARTNER BROKER | Insurance agents and brokers Service code 22 | 280 GRANITE RUN DRIVE SUITE 250 LANCASTER, PA 17601 | $94K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $44K |
| LIAZON BENEFITS INC ADMIN | Claims processing Service code 12 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | $16K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $12K |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 111 | $129K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $20K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 254 | $126K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 254 | $126K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 254 | $126K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 210 | $418K |
| Other(4 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 254 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.