| 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 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $8K | $22K | 8.36% |
| BENNER B CRIGLER3 | 3700 HUCKLEBERRY RD CHARLOTTE, NC 28210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 4.78% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 COCKEYSVILLE, MD 21030 | RELIASTAR INSURANCE COMPANY | $14K | $1K | $15K | 24.00% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR INSURANCE COMPANY | — | $316 | $316 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCC LIFE INSURANCE COMPANY EIN 35-1817054 MEDICAL/STOP LOSS PREMIUM | Claims processing; Contract Administrator Service code 12 | — | $1.5M |
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 | 606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 606 | $257K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 606 | $257K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 606 | $257K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 606 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.