| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 W BAY TO BAY BLVD DBA THE ELAN GROUP TAMPA, FL 336298108 | METROPOLITAN LIFE INSURANCE COMPANY | $146K | $19 | $146K | 5.36% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 DBA CRAWFORD ADVISORS LLC WAYNE, PA 190871613 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38K | $38K | 1.39% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 W BAY TO BAY BLVD DBA THE ELAN GROUP TAMPA, FL 336298108 | SAFEGUARD HEALTH PLANS, INC., FLORIDA CORPORATION | $4K | — | $4K | 5.38% |
| AP BENEFIT ADVISOR3 Filed as: AP BENEFIT ADVISOR LLC | 575 E SWEDESFORD RD STE 200 DBA CRAWFORD ADVISORS LLC WAYNE, PA 190871613 | SAFEGUARD HEALTH PLANS, INC., FLORIDA CORPORATION | — | $956 | $956 | 1.41% |
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 | 4,769 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 210 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,804 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,804 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.