| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS SERVICES INC | 7771 W OAKLAND PARK BLVD SUNRISE, FL 33351 | DOMINION NATIONAL | $52K | — | $52K | 15.38% |
| KENNETH B. JOHNSON3 Filed as: KENNETH B JOHNSON | 9282 EAST DESERT VIEW SCOTTSDALE, AZ 85255 | DOMINION NATIONAL | $10K | — | $10K | 3.08% |
| BENEFIT COMMUNCATION SERVICES, INC3 | 7771 WEST OAKLAND PARK BLVD SUNRISE, FL 33351 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 19.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRI-STATE ADMINISTRATORS NONE | Contract Administrator; Direct payment from the plan 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 | — | $430K |
| O'BRIEN, BELLAND & BUSHINSKY, LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | — | $191K |
| HEALTH PLAN SYSTEMS, INC EIN 01-0589640 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $119K |
| LEGAL CLUB FINANCIAL CORP EIN 20-2139462 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| BARATZ & ASSOCIATES, P.A. EIN 22-2212404 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $29K |
| CHEIRON EIN 13-4215617 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $12K |
| BROADREACH MEDICAL RESOURCES INC EIN 02-0640082 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1350 BROADWAY STE 410 NEW YORK, NY 10018 | $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 | 6,357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 308 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH | 2,500 | $0 |
| Dental | DOMINION NATIONAL | 78 | $340K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 3,749 | $141K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 4,852 | $231K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,730 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,852 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.