| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2839 PACES FERRY ROAD SE STE 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $38K | $38K | 0.50% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI COOPERATE BENEFITS LLC | 2841 NORTHWESTERN HWY STE 1150 SOUTHFIELD, MI 48034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | $0 | $35K | 0.46% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $29K | $29K | 0.39% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $12K | $19K | 6.83% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $7K | $14K | 5.69% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $7K | $28K | 22.83% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFITS, LLC BROKER | Insurance agents and brokers Service code 22 | 29100 NORTHWESTERN HWY STE 310 SOUTHFIELD, MI 48034 | $444K |
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $437K |
| UNITED CONCORDIA EIN 25-1687586 ADMIN FEES | Claims processing Service code 12 | — | $46K |
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 | 1,492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,492 | $75K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,258 | $276K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,274 | $239K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,186 | $7.5M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,492 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,492 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.