| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $233K | $39K | $272K | 4.67% |
| THE ELAN GROUP3 Filed as: ELAN GROUP INC. | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | $0 | $86K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL LLC | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 1.60% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 0.83% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.12% |
| THE ELAN GROUP3 Filed as: ELAN GROUP INC. | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $21K | $0 | $21K | 1.76% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL LLC | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $17K | $0 | $17K | 1.46% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $4K | $0 | $4K | 0.32% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $2K | $2K | 0.14% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $56K | $0 | $56K | 9.96% |
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 | 7,472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 206 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,771 | $2.9M |
| Vision | HUMANA INSURANCE COMPANY | 4,438 | $566K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,472 | $5.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,472 | $5.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,472 | $5.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 7,472 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,472 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.