| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 070904003 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $1K | $25K | 1.15% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $12K | — | $12K | 2.09% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 070904003 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $55 | $9K | 2.82% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $24K | $24K | 12.50% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE COMPANY | 133 PROSPECT STREET WESTFIELD, NJ 070904003 | ZURICH AMERICAN INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 070904003 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7 | $7 | 0.04% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 202 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 33 | $561K |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 33 | $569K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $322K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $2.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.