| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE RT 7 SUITE 1, PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $35K | — | $35K | 6.62% |
| CHICAGO BENEFIT CONSULTANTS INC.3 Filed as: CHICAGO BENEFIT CONSULTANTS, INC. | 126 BRACE ROAD UNIT E CHERRY HILL, NJ 08036 | MVP HEALTHCARE | $3K | — | $3K | 3.16% |
| JOHN R GLUTZ3 | 126 BRACE ROAD UNIT E CHERRY HILL, NJ 08036 | GUARDIAN | -$118 | — | -$118 | -0.17% |
| CHICAGO BENEFIT CONSULTANTS INC.3 Filed as: CHICAGO BENEFIT CONSULTANTS, INC. | 126 BRACE ROAD UNIT E CHERRY HILL, NJ 08036 | MVP HEALTHCARE | $1K | — | $1K | 3.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASHLEY TILEBEIN EIN 22-3163161 EMPLOYEE | Plan Administrator; Direct payment from the plan Service code 14 | — | $24K |
| LIPSITZ, GREEN, SCRIME & CAMBRIA NONE | Direct payment from the plan; Investment management Service code 28 | 35 MAPLE ROAD WILLIAMSVILLE, NY 14221 | $20K |
| ARCARA, ZUCARELLI, LENDA & STRAKA NONE | Direct payment from the plan; Investment management Service code 28 | 5214 MAIN STREET #200 WILLIAMSVILLE, NY 14221 | $20K |
| INSERO & CO. CPAS, LLP EIN 47-5324570 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
| PIERCE PARK GROUP EIN 51-0311895 NONE | Direct payment from the plan; Investment management Service code 28 | — | $7K |
| ADAM PESTA EIN 22-3163161 EMPLOYEE | Direct payment from the plan; Plan Administrator Service code 14 | — | $6K |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 105 | $674K |
| Dental | GUARDIAN | 92 | $68K |
| Vision | GUARDIAN | 92 | $68K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 105 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.