| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 540 GAITHER RD ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $108K | — | $108K | 3.22% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 899 CASSATT RD BERWYN, PA 19312 | UNITED HEALTHCARE INSURANCE COMPANY | — | $22K | $22K | 0.67% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CA | $8K | — | $8K | 3.33% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 540 GAITHER RD ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.90% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 14.29% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $285 | — | $285 | 1.28% |
| PREMIER WORK-SITE SOLUTIONS3 | 700 KINDERKAMACK RD SUITE 205 ORADELL, NJ 07649 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $497 | — | $497 | 5.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $325 | — | $325 | 3.66% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NJ LLC | 1317 RT 73 N SUITE 101 MT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.07% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 227 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $117K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $117K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CA | 226 | $247K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $95K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CA | 226 | $247K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CA | 226 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.