| 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 | $2K | $2K | 5.43% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.49% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST STE 400 BETHELEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.48% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.99% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP INC. | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK | $768 | $0 | $768 | 5.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFITS, LLC BROKER | Insurance agents and brokers Service code 22 | 29100 NORTWESTERN HWY. SUITE 310 SOUTHFIELD, MI 48034 | $65K |
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $59K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Claims processing Service code 12 | — | $25K |
| CONNECTCARE 3 EIN 26-1768616 OTHER | Other services Service code 49 | — | $8K |
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $5K |
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 | 197 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK | 144 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $35K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 134 | $427K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
No prospect flags tripped on this filing.