| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | AMERICAN UNITED LIFE INSURANCE COMPANY | $27K | $12K | $39K | 14.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF MISSOURI | $19K | $1K | $20K | 10.65% |
| AP BENEFIT ADVIORS LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $614 | $6K | 11.15% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF MISSOURI | $2K | — | $2K | 9.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCKEBBAB AGENCYLLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | FEDERAL INSURANCE COMPANY | $143 | $6 | $149 | 15.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 TPA FEES | Contract Administrator; Claims processing Service code 12 | — | $140K |
| AP BENEFIT ADVISORS LLC EIN 30-0837157 BROKER | Claims processing; Contract Administrator Service code 12 | — | $86K |
| CIGNA EIN 59-1031071 MED TPA FEES | Contract Administrator; Claims processing Service code 12 | — | $53K |
| CAREOPERATIVE, LLC EIN 20-8981027 ADMIN | Contract Administrator; Claims processing Service code 12 | — | $6K |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 527 | $189K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 432 | $75K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 398 | $327K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 398 | $327K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 398 | $327K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 398 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.