| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFITS ADVISORS LLC | 2910 BAY TO BAY BLVD TAMPA, FL 33629 | THE STANDARD INSURANCE COMPANY | $528K | — | $528K | 26.82% |
| AP BENEFITS ADVISORS LLC3 | 2910 BAY TO BAY BLVD TAMPA, FL 33629 | THE STANDARD INSURANCE COMPANY | $0 | $13K | $13K | 0.67% |
| AP BENEFITS ADVISORS LLC3 | 2910 BAY TO BAY TAMPA, FL 33629 | THE STANDARD INSURANCE COMPANY | $124K | — | $124K | 16.05% |
| AP BENEFITS ADVISORS LLC3 | 2910 BAY TO BAY BLVD TAMPA, FL 33629 | THE STANDARD INSURANCE COMPANY | — | $8K | $8K | 0.98% |
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 | 4,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE STANDARD INSURANCE COMPANY | 4,367 | $776K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 1,023 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,367 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.