| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 90A JOHN MUIR DR SUITE 100 AMHERST, NY 14228 | SUN LIFE ASSURANCE COMPANY OF CANADA | $50K | — | $50K | 5.00% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSA, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.44% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 10 NORTH PARK DRIVE SUITE 200 COCKETSVILLE, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 0.70% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 700 W HILLSBORO BLVD SUITE 2-102 DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $91K | — | $91K | 19.28% |
| CUNDY, INC.3 Filed as: CUNDY INC. | 4345 E TRADEWINDS AVE LAUDERDALE BY THE SEA, FL 33308 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP-BENEFIT ADVISORS LLC | 145 W OSTEND STREET 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 0.72% |
| CUNDY, INC.3 | PO BOX 24080 FORT LAUDERDALE, FL 33307 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 7.65% |
| CUNDY, INC.3 Filed as: CUNDY INC. | PO BOX 24080 FT LAUDERDALE, FL 33307 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.35% |
| AP BENEFITS ADVISORS LLC3 | 10 NORTH PARK DRIVE SUITE 200 COCKETSVILLE, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 100.00% |
| CUNDY, INC.3 Filed as: CUNDY,INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.1M |
| MARATHON HEALTH EIN 26-0103977 NONE | Other services Service code 49 | — | $738K |
| AP BENEFIT ADVISORS EIN 30-0837157 BROKER | Other commissions Service code 55 | 10 NORTH PARK DRI SUITE 200 HUNT VALLEY, MD 21230 | $144K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 NONE | Other services Service code 49 | — | $88K |
| CUNDY, INC EIN 59-1089031 BROKER | Other commissions Service code 55 | 4345 E TRADEWINDS AVE STE 600 LAUDERDALE BY THE SEA, FL 33308 | $41K |
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 | 2,412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 1,785 | $685K |
| Vision | HUMANA INSURANCE COMPANY | 1,005 | $94K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,412 | $292K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,419 | $680K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,895 | $2K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,173 | $1.0M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,168 | $615K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,419 | — |
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."
No prospect flags tripped on this filing.