| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $16K | $23K | 8.33% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $15K | $22K | 9.14% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $8K | $29K | 23.56% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $109K |
| BSI CORPORATE BENEFITS, LLC BROKER | Insurance agents and brokers Service code 22 | 29100 NORTHWESTERN HWY STE 310 SOUTHFIELD, MI 48034 | $68K |
| UNITED CONCORDIA EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $48K |
| CONNECTCARE 3 EIN 26-1768616 OTHER | Other services Service code 49 | — | $12K |
| LEHIGH VALLEY BUSINES CONF BROKER | Insurance agents and brokers Service code 22 | 60 WEST BROAD STREET, SUITE 306 BETHLEHEM, PA 18018 | $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 | 1,271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,271 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,082 | $275K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,099 | $237K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 886 | $610K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,271 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.