| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $75K | $86K | 5.45% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FL | 300 COLONIAL CENTER PARKWAY STE 270 LAKE MARY, FL 32746 | HUMANA INSURANCE COMPANY | $21K | — | $21K | 2.95% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY | $35K | $2K | $37K | 28.94% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 20 COMMERCE DR SUITE 200 CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD #390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY | $483 | — | $483 | 0.38% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 17.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 17.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 70.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 70.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 70.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $306 | — | $306 | 16.98% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 338 | $1.6M |
| Dental | HUMANA INSURANCE COMPANY | 147 | $726K |
| Vision | HUMANA INSURANCE COMPANY | 147 | $726K |
| Life insurance(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 322 | $891K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 217 | $186K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 217 | $127K |
| Other(7 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 322 | $950K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.