| 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. | $6K | — | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRI-STATE ADMINISTRATORS NONE | Contract Administrator Service code 13 | 27 ROLAND AVENUE, SUITE 2 MT LAUREL, NJ 08054 | $4.6M |
| SPEAR WILDERMAN EIN 23-2331913 NONE | Legal Service code 29 | — | $442K |
| O'BRIEN, BELLAND & BUSHINSKY, LLC EIN 37-1467056 NONE | Legal Service code 29 | — | $219K |
| HEALTH PLAN SYSTEMS, INC EIN 01-0589640 NONE | Consulting (general) Service code 16 | — | $116K |
| HEALTH M.A.P. EIN 22-3727424 NONE | Other services Service code 49 | — | $43K |
| LEGAL CLUB FINANCIAL CORP EIN 20-2139462 NONE | Legal Service code 29 | — | $38K |
| BARATZ & ASSOCIATES, P.A. EIN 22-2212404 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| CHEIRON EIN 13-4215617 NONE | Actuarial Service code 11 | — | $16K |
| KRAMER-WARNER ASSOCIATES NONE | Insurance agents and brokers Service code 22 | 3545 RHOADS AVENUE NEWTOWN SQUARE, PA 19073 | $13K |
| HEALTH MANIFEST INC NONE | Other services Service code 49 | 2541 MARBLEHEAD DR SARASOTA, FL 34231 | $11K |
| MEDICAL REVIEW INSTITUTE OF AMERICA EIN 87-0515201 NONE | Consulting (general) Service code 16 | — | $8K |
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 | 6,613 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 272 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH | 2,500 | $0 |
| Dental(2 contracts, 2 carriers) | GROUP DENTAL SERVICE OF MARYLAND, INC. | 3,340 | $1.1M |
| Vision | VISION BENEFITS OF AMERICA | 4,012 | $163K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 5,000 | $236K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,764 | $775K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,000 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.