| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEACON BENEFITS LLC3 Filed as: BEACON BENEFITS LLC ANTHONY CELLUCI | 120 S WARNER RD STE 201 KING OF PRUSSIA, PA 19406 | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC | $72K | — | $72K | 3.29% |
| BEACON BENEFITS LLC3 | 120 S WARNER RD STE 201 KING OF PRUSSIA, PA 19406 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $85K | $85K | 4.16% |
| EMERSON REID LLC3 Filed as: EMERSON RAID & CO | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $5K | $15K | 0.75% |
| BEACON BENEFITS LLC3 | 120 S WARNER RD STE 201 KING OF PRUSSIA, PA 194062801 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $27 | $12K | 4.56% |
| BEACON BENEFITS LLC3 Filed as: BEACON BENEFITS LLC ANTHONY CELLUCI | 120 SOUTH WARNER RD SUITE 201 KING OF PRUSSIA, PA 194062801 | HEALTH RESOURCES, INC. | $11K | — | $11K | 10.00% |
| BEACON BENEFITS LLC3 Filed as: BEACON BENEFITS, LLC | 120 S WARNER RD STE 201 KING OF PRUSSIA, PA 194062801 | VISION SERVICE PLAN | $2K | — | $2K | 4.32% |
No Schedule C service providers reported on this filing.
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC | 333 | $4.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 882 | $369K |
| Vision | VISION SERVICE PLAN | 445 | $35K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 882 | $262K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 882 | $262K |
| Prescription drug(2 contracts, 2 carriers) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC | 333 | $4.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 882 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.