| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $235 | $5K | 10.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 4.27% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 13.61% |
| TRANGUCH,NICHOLAS FRANKLIN3 Filed as: TRANGUCH, NICHOLAS FRANKLIN | 3911 MAULFAIR PLACE ALLENTOWN, PA 18103 | HIGHMARK INC | $358 | $0 | $358 | 4.36% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | 201 E OREGON RD STE 100 LITITZ, PA 17543 | HIGHMARK INC | $179 | $0 | $179 | 2.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFITS, LLC EIN 51-0467698 BROKER | Insurance agents and brokers Service code 22 | — | $46K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| HY HOLDINGS EIN 30-0947669 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $5K |
| INNOVU BROKER | Insurance agents and brokers Service code 22 | 2403 SIDNEY STE 225 PITTSBURGH, PA 15203 | $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 | 72 | 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) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 144 | $46K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC | 70 | $8K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $39K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $39K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 72 | $287K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.