| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 5.00% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.75% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 6.08% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 5.01% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 15.13% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.04% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.11% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS | 79 WEST MARKET STREET, SUITE 300 BETHLEHEM, PA 18018 | VISION BENEFITS OF AMERICA | $3K | $0 | $3K | 5.00% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $5K | $2K | $7K | 20.96% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 16.33% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 20.67% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 16.28% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY | $2K | $879 | $3K | 20.42% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $252K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $116K |
| LR WEBBER EIN 25-1301205 BROKER | Insurance agents and brokers Service code 22 | — | $112K |
| HY HOLDINGS INC EIN 04-3705970 ADMIN | Claims processing Service code 12 | — | $86K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 ADMIN | Claims processing Service code 12 | — | $34K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $20K |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 463 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $136K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 821 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $136K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 522 | $714K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 861 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.