| 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 | $114K | — | $114K | 3.57% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 899 CASSATT RD BERWYN, PA 19312 | UNITED HEALTHCARE INSURANCE COMPANY | — | $24K | $24K | 0.75% |
| 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 | $9K | — | $9K | 3.66% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 540 GAITHER RD ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.96% |
| 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 | $283 | — | $283 | 1.48% |
| PREMIER WORK-SITE SOLUTIONS3 | 700 KINDERKAMACK RD SUITE 205 ORADELL, NJ 07649 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $524 | — | $524 | 5.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DR SUITE 1900 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $297 | — | $297 | 3.36% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NJ LLC | 1317 RT 73 N SUITE 101 MT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.54% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 270 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $119K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $119K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CA | 224 | $240K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CA | 51 | $19K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CA | 224 | $240K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CA | 224 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.