| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 | 79 WEST MARKET ST SUITE 400 BETHLEHEM, PA 18018 | HARTFORD LIFE AND ACCIDENT | $11K | $41 | $11K | 7.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE)INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY ROAD #300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | -$17 | $0 | -$17 | -0.01% |
| BSI CORPORATE BENEFITS LLC3 | 79 WEST MARKET STREET SUITE 400 BETHLEHEM, PA 18018 | DELTA DENTAL OF PENNSYLVANIA | $10K | $0 | $10K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFITS BROKER | Insurance agents and brokers Service code 22 | 79 WEST MARKET STREET SUITE 400 BETHLEHEM, PA 18018 | $123K |
| AETNA EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $90K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $39K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $14K |
| HY HOLDINGS, INC. EIN 04-3705970 ADMIN | Claims processing Service code 12 | — | $12K |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 272 | $96K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 226 | $141K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $141K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $141K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 212 | $549K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 378 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.