| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | — | $47K | 10.61% |
| UNITED PRODUCER GROUP, LLC3 | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 5.64% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $327 | — | $327 | 0.85% |
| AP BENEFIT ADVISORS, LLC3 | 55 BEATTIE PLACE STE 910 GREENVILL, SC 29605 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $767 | — | $767 | 2.44% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $453 | — | $453 | 1.70% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 55 BEATTIE PLACE STE 910 GREENVILLE, SC 29605 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $83 | — | $83 | 2.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 MEDICAL/DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $37K |
| CIGNA | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $0 |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $444K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $444K |
| Vision | EYEMED VISION CARE | 136 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $27K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.