| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES3 | 1501 REEDSDALE ST STE 3005 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $179K | $7K | $186K | 4.55% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | — | $46K | 1.13% |
| BENEFIT ADVISORS SERVICES3 | 1501 REEDSDALE ST STE 3005 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $11K | $45K | 1.51% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 78720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155K | — | $155K | 12.45% |
| LARSON INSURANCE GROUP3 | 1497 MAIN ST #307 DUNEDIN, FL 346984612 | HARTFORD LIFE AND ACCIDENT | $56K | $6K | $62K | 5.07% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 78720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128K | — | $128K | 18.48% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 2.01% |
| BENEFIT ADVISORS SERVICES3 | 1501 REEDSDALE ST STE 3005 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $1K | $15K | 2.21% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 0.56% |
| LARSON INSURANCE GROUP3 | 1497 MAIN ST #307 DUNEDIN, FL 346984612 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | — | $91K | 21.84% |
| BENEFIT ADVISORS SERVICES3 | 1501 REEDSDALE ST STE 3005 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $600 | $6K | 3.10% |
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 | 25,016 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 1,818 | $493K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 16,595 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 24,475 | $4.1M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 22,601 | $4.2M |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 24,473 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,475 | — |
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.