| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.42% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.34% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST STE 400 BETHELEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.35% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $786 | $4K | 18.71% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP INC. | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK | $717 | $0 | $717 | 6.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFITS, LLC BROKER | Insurance agents and brokers Service code 22 | 29100 NORTWESTERN HWY. SUITE 310 SOUTHFIELD, MI 48034 | $56K |
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $54K |
| CONNECTCARE 3 EIN 26-1768616 OTHER | Other services Service code 49 | — | $7K |
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $6K |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK | 262 | $12K |
| Vision | HIGHMARK | 262 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $32K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 123 | $356K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.