| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK INC. | $52K | $0 | $52K | 1.92% |
| DARE, ANTHONY J3 | 29100 NORTHWESTERN HWY STE 310 SOUTHFIELD, MI 48034 | HIGHMARK INC. | $29K | $0 | $29K | 1.07% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI COOPERATE BENEFITS LLC | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 6.81% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI COOPERATE BENEFITS LLC | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 11.42% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.82% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 2841 NORTHWESTERN HWY STE 1150 SOUTHFIELD, MI 48034 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 100.00% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 425 | $2.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 149 | $3K |
| Vision | HIGHMARK INC. | 425 | $2.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $36K |
| Prescription drug | HIGHMARK INC. | 425 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
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.