| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $30K | $30K | 1.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $0 | $5K | 10.04% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | PO BOX 14946 GREENSBORO, NC 27415 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $765 | $765 | 1.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $458 | $458 | 0.91% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | METROPOLITAN GENERAL INSURANCE COMPANY | -$326 | $0 | -$326 | -0.65% |
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 | 1,554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 84 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,226 | $138K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,579 | $1.5M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,579 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,579 | $1.5M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,579 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,579 | — |
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.