| 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 | $6K | $13K | $19K | 7.93% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $13K | $20K | 8.38% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.04% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST SUITE 400 BETHLEHEM, PA 180185749 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $6K | $25K | 22.68% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNITED CONCORDIA COMPANIES INC. | $6K | $0 | $6K | 14.78% |
| LEHIGH VALLEY BUSINESS COALITION3 Filed as: LEHIGH VALLEY BUESINESS CONF ON HEA | 60 W BROAD ST STE 302A BETHLEHEM, PA 18018 | UNITED CONCORDIA COMPANIES INC. | $0 | $584 | $584 | 1.48% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 29100 NORTHWESTERN HWY SUITE 310 SOUTHFIELD, MI 48034 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $35K | $0 | $35K | 389.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $104K |
| INNOVU BROKER | Insurance agents and brokers Service code 22 | 2403 SIDNEY ST SUITE 225 PITTSBURGH, PA 15203 | $47K |
| BSI CORPORATE BENEFITS, LLC EIN 51-0467698 BROKER | Insurance agents and brokers Service code 22 | — | $44K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $11K |
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 | 920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA COMPANIES INC. | 981 | $40K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 0 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,355 | $124K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,076 | $237K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,076 | $240K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 920 | $611K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,355 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,355 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.