| 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 21031 | HARTFORD LIFE AND ACCIDENT | $224K | $99K | $322K | 5.29% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | METROPOLITAN LIFE INSURANCE COMPANY | $233K | $19K | $252K | 10.37% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME ROAD, SUITE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22K | $22K | 0.90% |
| 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 | $35K | $12K | $47K | 4.88% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME ROAD, SUITE 6 AMHERST, NY 14228 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $12K | $12K | 1.19% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $59K | $0 | $59K | 10.00% |
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 | 7,779 | 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) | 7,779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,700 | $3.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 4,915 | $590K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,779 | $6.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,779 | $6.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,779 | $6.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 7,779 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,779 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.