| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 10.19% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD. SUITE #300 MOUNT PLEASANT, SC 29464 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 5.48% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 55 BEATTIE PL STE 910 GREENVILLE, SC 29601 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $16 | $3K | 2.54% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | METROPOLITAN LIFE INSURANCE COMPANY | $164 | — | $164 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400, PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $146 | $146 | 0.12% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | COMPANION LIFE | $5K | — | $5K | 12.71% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANION LIFE | $2K | — | $2K | 6.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH, USA INC. | PO BOX 5145 GREENVILLE, SC 29606 | COMPANION LIFE | $61 | — | $61 | 0.17% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR SUITE 4500 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $153 | $456 | $609 | 2.34% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR SUITE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $170 | $312 | $482 | 2.70% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $429K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $124K |
| Vision | EYEMED VISION CARE | 225 | $15K |
| Life insurance | COMPANION LIFE | 263 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $18K |
| Other | COMPANION LIFE | 263 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.