| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, SUITE 450 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $204K | $1K | $205K | 3.66% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $0 | $76K | $76K | 1.35% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 WEST BAY TO BAY BOULEVARD TAMPA, FL 33629 | METROPOLITAN LIFE INSURANCE COMPANY | $264K | $17 | $264K | 9.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $43K | $43K | 1.45% |
| 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 | $20K | $0 | $20K | 3.35% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $12K | $12K | 1.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $68K | $0 | $68K | 12.04% |
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 | 7,768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 204 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,263 | $3.5M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 5,074 | $567K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,978 | $5.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,978 | $5.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,978 | $5.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 7,978 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,263 | — |
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.