| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | GUARDIAN LIFE INSURANCE COMPANY | $14K | $6K | $19K | 7.01% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.97% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | SUNLIFE AND HEALTH INSURANCE COMPANY | $12K | $0 | $12K | 12.10% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | SUNLIFE AND HEALTH INSURANCE COMPANY | $0 | $334 | $334 | 0.34% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | SUNLIFE AND HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 9.55% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | SUNLIFE AND HEALTH INSURANCE COMPANY | $0 | $82 | $82 | 0.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $165K |
| BSC GROUP SERVICES, 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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 155 | $136K |
| Life insurance | SUNLIFE AND HEALTH INSURANCE COMPANY | 201 | $98K |
| Short-term disability(2 contracts) | SUNLIFE AND HEALTH INSURANCE COMPANY | 201 | $110K |
| Long-term disability | SUNLIFE AND HEALTH INSURANCE COMPANY | 201 | $98K |
| Stop-loss / reinsurancereinsurance | GUARDIAN LIFE INSURANCE COMPANY | 165 | $273K |
| Other | SUNLIFE AND HEALTH INSURANCE COMPANY | 201 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.