| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | DBA ELAN GROUP 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $208K | — | $208K | 15.74% |
| FRANK P DOHERTY3 | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 1.44% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 W BAY TO BAY BOULEVARD TAMPA, FL 33629 | STANDARD INSURANCE COMPANY | $22K | $8K | $30K | 2.91% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 0.72% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 W BAY TO BAY BOULEVARD TAMPA, FL 33629 | STANDARD INSURANCE COMPANY | $42K | — | $42K | 4.68% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 4.19% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA THE ELAN GROUP 2910 BAY TO BAY BOULEVARD TAMPA, LA 33629 | COMBINED INSURANCE COMPANY | $100K | — | $100K | 18.48% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 W BAY TO BAY BOULEVARD TAMPA, FL 33629 | STANDARD INSURANCE COMPANY | $9K | $4K | $13K | 2.80% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 0.70% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 W BAY TO BAY BOULEVARD TAMPA, FL 33629 | STANDARD INSURANCE COMPANY | $9K | $4K | $13K | 2.84% |
| AON CONSULTING INC3 | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 0.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 7.39% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 W BAY TO BAY BOULEVARD TAMPA, FL 33629 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.63% |
| AP BENEFIT ADVISORS, LLC3 | D/B/A ELAN GROUP 2910 BAY TO BAY BOULEVARD TAMPA, FL 33629 | THE LEGAL PLAN, INC. D/B/A/ PREFERRED LEGAL PLAN | $2K | — | $2K | 6.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LEGAL PLAN, INC. D/B/A/ PREFERRED LEGAL PLAN | $2K | — | $2K | 6.43% |
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 | 1,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 1,450 | $891K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,801 | $150K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,654 | $2.3M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,231 | $1.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,387 | $463K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,654 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,801 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.