| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $41K | $19K | $60K | 18.43% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF MISSOURI | $17K | $866 | $18K | 10.54% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $24K | $4K | $28K | 27.33% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC - SC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | DELTA DENTAL OF MISSOURI | $4K | $183 | $4K | 10.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORPORATE BENEFIT SERVICES EIN 56-1167792 BENEFIT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $227K |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 652 | $172K |
| Vision | DELTA DENTAL OF MISSOURI | 599 | $37K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $325K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $325K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $325K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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.