| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 28411 NORTHWESTERN HWY STE 1150 SOUTHFIELD, MI 48034 | GUARDIAN | $4K | $0 | $4K | 24.70% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, LLP | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | GUARDIAN | $25 | $0 | $25 | 0.15% |
| MAZZMAR LLC3 | 1767 SENTRY PKWY, STE 200 BLUE BELL, PA 19422 | GUARDIAN | $25 | $0 | $25 | 0.15% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC79 | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $923 | $3K | 20.79% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 21.54% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $836 | $6K | 45.76% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $755 | $483 | $1K | 16.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFIT LLC BROKER | Insurance agents and brokers Service code 22 | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | $37K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $4K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 55 | $17K |
| Vision | GUARDIAN | 55 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $15K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 54 | $193K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.