| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNCATION SERVICES, INC3 | 7771 WEST OAKLAND PARK BLVD SUNRISE, FL 33351 | ADVANTICA ADMINISTRATIVE SERVICES, INC. | $56K | — | $56K | 10.00% |
| BENEFIT COMMUNICATION SERVICES, INC3 | 7771 WEST OAKLAND PARK BLVD ST 217 SUNRISE, FL 33351 | ADVANTICA ADMINISTRATIVE SERVICES, INC. | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRI-STATE ADMINISTRATORS NONE | Direct payment from the plan; Contract Administrator Service code 13 | 27 ROLAND AVENUE, SUITE 2 MT LAUREL, NJ 08054 | $4.6M |
| SPEAR WILDERMAN EIN 23-2331913 NONE | Legal; Direct payment from the plan Service code 29 | — | $476K |
| O'BRIEN, BELLAND & BUSHINSKY, LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | — | $233K |
| HEALTH PLAN SYSTEMS, INC EIN 01-0589640 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $105K |
| LEGAL CLUB FINANCIAL CORP EIN 20-1174969 NONE | Legal Service code 29 | 7771 W OAKLAND PARK BLVD SUNRISE, FL 33351 | $42K |
| FRANK M VACCARO & ASSOCIATES INC EIN 23-2148108 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $42K |
| BARATZ & ASSOCIATES, P.A. EIN 22-2212404 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| HEALTH MANIFEST INC NONE | Other services; Direct payment from the plan Service code 49 | 2541 MARBLEHEAD DR SARASOTA, FL 34231 | $21K |
| KRAMER-WARNER ASSOCIATES NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 3545 RHOADS AVENUE NEWTOWN SQUARE, PA 19073 | $13K |
| CHEIRON EIN 13-4215617 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $11K |
| MEDICAL REVIEW INSTITUTE OF AMERICA EIN 87-0515201 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $6K |
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 | 6,805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 277 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH | 2,500 | $0 |
| Dental(2 contracts) | ADVANTICA ADMINISTRATIVE SERVICES, INC. | 1,998 | $602K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 4,137 | $164K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 5,112 | $225K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,676 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,112 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.