| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST, M2H NEWARK, NJ 07105 | USABLE LIFE | — | $25K | $25K | 5.00% |
| BENEFIT COMMUNICATION SERVICES, INC3 Filed as: BENEFIT COMMUNICATION SERVICES | 7771 W. OAKLAND PARK BLVD #217 SUNRISE, FL 33351 | DOMINION NATIONAL | $35K | — | $35K | 13.39% |
| KENNETH B. JOHNSON3 | 48 LANGFORD LANE LADERA RANCH, CA 92694 | DOMINION NATIONAL | $7K | — | $7K | 2.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRI STATE ADMINISTRATORS EIN 22-3478819 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $4.6M |
| HORIZON BLUE CROSS BLUE SHIELD EIN 22-0999690 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.8M |
| EXPRESS SCRIPTS, INC EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.6M |
| UNITED CONCORDIA EIN 25-1687586 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $215K |
| O'BRIEN, BELLAND & BUSHINSKY, LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | — | $78K |
| MORGAN, LEWIS & BOCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $52K |
| CHEIRON EIN 13-4215617 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $47K |
| 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 | — | $39K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $18K |
| DR. ROBERT B. DANIELS EIN 23-2534279 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $9K |
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 | 9,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 622 | $263K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 4,731 | $209K |
| Life insurance | USABLE LIFE | 8,490 | $492K |
| Prescription drug | EXPRESS SCRIPTS | 7 | $33K |
| Other(4 contracts, 3 carriers) | USABLE LIFE | 8,490 | $744K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,490 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.