| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATION SERVICES, INC3 Filed as: BENEFIT COMMUNICATION SERVICES INC | 7771 W. OAKLAND PARK BLVD, #217 SUNRISE, FL 33351 | DOMINION NATIONAL | $121K | — | $121K | 14.20% |
| KENNETH B. JOHNSON3 | 48 LANGFORD LANE LADERA RANCH, CA 92694 | DOMINION NATIONAL | $11K | — | $11K | 1.34% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST, M2H NEWARK, NJ 07105 | USABLE LIFE | — | $23K | $23K | 5.00% |
| CLARENCE WILLIAM KING3 | 2638 WELLWORTH WAY WEST FRIENDSHIP, MD 21794 | UNITED AMERICAN INSURANCE COMPANY | $8K | — | $8K | 5.65% |
| CLARENCE WILLIAM KING3 | 2638 WELLWORTH WAY WEST FRIENDSHIP, MD 21794 | UNITED AMERICAN INSURANCE COMPANY | $8K | — | $8K | 5.62% |
| BENEFIT COMMUNICATION SERVICES, INC5 Filed as: BENEFIT COMMUNICATION SERVICES INC | 7771 W. OAKLAND PARK BLVD, #217 SUNRISE, FL 33351 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS BLUE SHIELD EIN 22-0999690 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $4.2M |
| TRI STATE ADMINISTRATORS EIN 22-3478819 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $4.1M |
| EXPRESS SCRIPTS, INC EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.2M |
| O'BRIEN, BELLAND & BUSHINSKY, LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | — | $86K |
| AKMAN & ASSOCIATES PC EIN 81-1469703 NONE | Legal; Direct payment from the plan Service code 29 | — | $50K |
| MSPC CERTIFIED PUBLIC ACCOUNTANTS A EIN 22-2951202 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 340 NORTH AVENUE EAST CRANFORD, NJ 07016 | $45K |
| VISION BENEFITS OF AMERICA EIN 25-1149206 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $36K |
| WITHUM, SMITH & BROWN, P.C. EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| CHEIRON EIN 13-4215617 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $18K |
| MORGAN, LEWIS & BOCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| DR. ROBERT B. DANIELS EIN 23-2534279 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
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 | 9,628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 172 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC | 6,796 | $3.4M |
| Vision(3 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 4,966 | $267K |
| Life insurance | USABLE LIFE | 8,896 | $465K |
| Prescription drug | EXPRESS SCRIPTS | 10 | $46K |
| Other(4 contracts, 3 carriers) | USABLE LIFE | 8,896 | $790K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,896 | — |
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."
No prospect flags tripped on this filing.