| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | REALISTAR LIFE INSURANCE COMPANY | $140K | — | $140K | 29.28% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY, LLC | 4 OVERLOOK PT LINSOLNSHIRE, IL 60069 | REALISTAR LIFE INSURANCE COMPANY | — | $6K | $6K | 1.24% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | REALISTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 0.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE | PO BOX 730416 DALLAS, TX 75373 | DELTA DENTAL INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | TRUSTMARK INSURANCE COMPANY | $50K | — | $50K | 90.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $1K | — | $1K | 2.95% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC. | 4500 TOWN CENTER BLVD STE 200 JEFFERSONVILLE, IN 47130 | VISION SERVICE PLAN | $1K | — | $1K | 2.41% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $142 | — | $142 | 0.34% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FL LLC | 300 COL CTR PKWY STE 270 LAKE MARY, FL 32746 | VISION SERVICE PLAN | -$1 | — | -$1 | -0.00% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 293 | $3.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 359 | $229K |
| Vision | VISION SERVICE PLAN | 288 | $42K |
| Life insurance | REALISTAR LIFE INSURANCE COMPANY | 481 | $479K |
| Short-term disability | REALISTAR LIFE INSURANCE COMPANY | 481 | $479K |
| Long-term disability | REALISTAR LIFE INSURANCE COMPANY | 481 | $479K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 293 | $3.6M |
| Other(2 contracts, 2 carriers) | REALISTAR LIFE INSURANCE COMPANY | 481 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
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.