| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | HCC LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.88% |
| MARK METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.20% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $329 | $4K | 3.78% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.75% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | SUNLIFE AND HEALTH INSURANCE COMPANY | $13K | $0 | $13K | 21.57% |
| NFP INSURANCE SERVICES INC3 | 109 LAURENS ROAD SUITE 1A GREENVILLE, SC 29607 | SUNLIFE AND HEALTH INSURANCE COMPANY | $0 | $348 | $348 | 0.59% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE INSURANCE COMPANY | $3K | $64 | $3K | 16.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 PHARMACY BENEFFIT MANAGEM | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $466K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $91K |
| BSC GROUP BENEFITS LLC EIN 22-3621122 BROKER | Other commissions Service code 55 | 133 PROSPECT STREET WESTFIELD, NJ 07090 | $10K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $98K |
| Life insurance | SUNLIFE AND HEALTH INSURANCE COMPANY | 217 | $59K |
| Short-term disability(2 contracts, 2 carriers) | SUNLIFE AND HEALTH INSURANCE COMPANY | 217 | $75K |
| Long-term disability | SUNLIFE AND HEALTH INSURANCE COMPANY | 217 | $59K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 172 | $233K |
| Other | SUNLIFE AND HEALTH INSURANCE COMPANY | 217 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.