| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE CONSHOHOCKEN, PA 19428 | INDEPENDENCE BLUE CROSS | $18K | $8K | $26K | 2.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $10K | $5K | $15K | 1.42% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NJ LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NJ LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.93% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 11.97% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 630 W GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | UNITED CONCORDIA INCURANCE COMPANY | $4K | — | $4K | 15.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NJ LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.97% |
| ASSUREDPARTNERS4 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $474 | — | $474 | 25.40% |
| AP BENEFIT ADVISORS, LLC4 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $33 | — | $33 | 1.77% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INCURANCE COMPANY | 110 | $24K |
| Vision | INDEPENDENCE BLUE CROSS | 133 | $1.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 223 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 223 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 223 | $51K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 133 | $1.0M |
| Other | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | 21 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.