| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF MISSOURI | $12K | $576 | $12K | 11.34% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | $6K | $19K | 17.92% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF MISSOURI | $1K | $53 | $1K | 11.32% |
| MAYNARD BENEFITS GRP INC3 | PO BOX 9155 NORTH MYRTLE BEACH, SC 29582 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.47% |
| CASSANDRA B BRABHAM3 | 169 WATERFALL CIR LITTLE RIVER, SC 29566 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 MEDICAL TPA FEES | Claims processing; Contract Administrator Service code 12 | — | $71K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 MEDICAL BROKER FEES | Insurance brokerage commissions and fees Service code 53 | — | $40K |
| CIGNA CORPORATION EIN 59-1031071 MEDICAL TPA FEES | Claims processing; Contract Administrator Service code 12 | — | $25K |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 253 | $109K |
| Vision | DELTA DENTAL OF MISSOURI | 233 | $11K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 164 | $105K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 164 | $105K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 164 | $105K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 4 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.