| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK, INC. | $1K | $0 | $1K | 7.58% |
| DARE, ANTHONY J3 | 29100 NORTHWESTERN HWY STE 310 SOUTHFIELD, MI 48034 | HIGHMARK, INC. | $500 | $0 | $500 | 3.60% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27 | $0 | $27 | 10.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFITS, LLC EIN 51-0467698 BROKER | Insurance agents and brokers Service code 22 | — | $26K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| HY HOLDINGS INC EIN 04-3705970 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $4K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
| INNOVU BROKER | Insurance agents and brokers Service code 22 | 2403 SIDNEY ST SUITE 225 PITTSBURGH, PA 15203 | $2K |
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 | 36 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 37 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 36 | $14K |
| Dental | HIGHMARK, INC. | 36 | $14K |
| Vision | HIGHMARK, INC. | 36 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $248 |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $248 |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 36 | $193K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $248 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.