| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | OXFORD HEALTH INSURANCE, INC | $59K | $6K | $65K | 3.33% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | DELTA DENTAL OF NEW YORK | $8K | $0 | $8K | 5.00% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | COMPANION LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.34% |
| WEB TPA3 Filed as: WEB-TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 8.19% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES | 133 PROSPECT STREET WESTFIELD, NJ 07090 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 4.00% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 14.56% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $0 | $5K | 8.33% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES | 133 PROSPECT STREET WESTFIELD, NY 07090 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 5.00% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.94% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | WESCO INSURANCE COMPANY | $2K | $0 | $2K | 13.39% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | VISION SERVICE PLAN | $905 | $0 | $905 | 5.77% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| WEB TPA3 Filed as: WEB-TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $235 | $0 | $235 | 8.19% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES | 133 PROSPECT STREET WESTFIELD, NJ 07090 | HARTFORD LIFE AND ACCIDENT | $115 | $0 | $115 | 4.01% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $294 | $0 | $294 | 10.66% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | OXFORD HEALTH INSURANCE, INC | 319 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 275 | $204K |
| Vision | VISION SERVICE PLAN | 158 | $16K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 314 | $107K |
| Short-term disability | WESCO INSURANCE COMPANY | 245 | $16K |
| Long-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 234 | $57K |
| Other(4 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 235 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.