| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $24 | $32K | 3.23% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES INC | P.O. BOX 4058 THE SEGAL GROUP CHURCH STREET STATION NEW YORK, NY 102614058 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.49% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | DELTA DENTAL OF NEW JERSEY, INC | $29K | $0 | $29K | 4.62% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORP BENEFITS | 205 WEBSTER ST BETHLEHEM, PA 18015 | HORIZON INSURANCE COMPANY | $6K | $0 | $6K | 9.93% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | FLAGSHIP HEALTH SYSTEMS | $1K | $0 | $1K | 2.75% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY, INC. | 333 WEST 34TH STREET NEW YORK, NY 100012402 | FLAGSHIP HEALTH SYSTEMS | $111 | $0 | $111 | 0.27% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.56% |
| AON CONSULTING INC3 | 165 BROADWAY, STE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | $0 | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $63K |
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 | 713 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC | 1,108 | $663K |
| Vision | HORIZON INSURANCE COMPANY | 643 | $64K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $986K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $986K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $986K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 651 | $1.1M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,268 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.