| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 336298108 | STANDARD INSURANCE COMPANY | $44K | — | $44K | 5.40% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $39K | $49K | 8.32% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $11K | $25K | 4.16% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $20K | $24K | 9.49% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $11K | 4.25% |
| THE ELAN GROUP3 Filed as: THE ELAN GROUP, INC. | 2910 W BAY TO BAY BLVD TAMPA, FL 336298108 | HM LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $10K | $12K | 9.55% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 4.20% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.99% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 336298108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $7K | $9K | 9.71% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 4.17% |
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 | 1,328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 1,155 | $821K |
| Vision | HM LIFE INSURANCE COMPANY | 2,251 | $129K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,433 | $220K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,019 | $589K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,181 | $256K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,433 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,251 | — |
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.