| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHICAGO BENEFIT CONSULTANTS INC.3 | 1236 BRACE RD UNIT E CHERRY HILL, NJ 08034 | EXCELLUS | $36K | — | $36K | 3.01% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE RT 7 SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS | $14K | — | $14K | 1.15% |
| CHICAGO BENEFIT CONSULTANTS INC.3 | 1236 BRACE RD UNIT E CHERRY HILL, NJ 08034 | MVP HEALTH CARE | $3K | — | $3K | 3.07% |
| CHICAGO BENEFIT CONSULTANTS INC.3 | 1236 BRACE RD UNIT E CHERRY HILL, NY 08034 | MVP HEALTH CARE | $913 | — | $913 | 3.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASHLEY TILEBEIN EIN 16-6058900 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $29K |
| LIPSITZ GREEN SCIME CAMBRIA EIN 16-0905097 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| PEIRCE PARK GROUP EIN 51-0311895 NONE | Direct payment from the plan; Investment management Service code 28 | — | $19K |
| TRONCONI SEGARRA & ASSOCIATES LLP EIN 04-3728817 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| ARCARA LENDA EUSANIO & STACY CPAS EIN 47-1793720 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
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 | 85 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EXCELLUS | 92 | $1.3M |
| Prescription drug | EXCELLUS | 92 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.