| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEHIGH VALLEY BENEFITS GROUP, INC.3 Filed as: LEHIGH VALLEY BENEFITS GROUP INC | PO BOX 3563 ALLENTOWN, PA 18106 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 5.00% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DR STE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 2.50% |
| LEHIGH VALLEY BENEFITS GROUP, INC.3 Filed as: LEHIGH VALLEY BENEFITS GROUP INC | 4949 LIBERTY LANE SUITE 100 ALLENTOWN, PA 18106 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 1.76% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP INC. | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK | $7K | $0 | $7K | 7.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS STREET SUITE 650 CHARLESTON, WV 25301 | HIGHMARK | $1K | $0 | $1K | 1.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $71K |
| LEHIGH VALLEY BENEFITS GROUP BROKER | Insurance agents and brokers Service code 22 | 5100 TILGHMAN STREET SUITE 200 ALLENTOWN, PA 18104 | $41K |
| BSI CORPORATE BENEFITS, LLC BROKER | Insurance agents and brokers Service code 22 | 29100 NORTWESTERN HWY. SUITE 310 SOUTHFIELD, MI 48034 | $4K |
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 | 168 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK | 312 | $97K |
| Vision | HIGHMARK | 312 | $97K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $105K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $105K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $105K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $321K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.