| 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 | $3K | $3K | 5.30% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.24% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST STE 400 BETHELEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.22% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.58% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC NEW ENGL | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $721 | $0 | $721 | 2.42% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS | 79 W MARKET ST STE 300 BETHLEHEM, PA 18018 | HEALTHIEST YOU | $2K | $0 | $2K | 15.00% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP INC. | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK INC. | $549 | $0 | $549 | 3.92% |
| KACHELRIES, ROBERT G3 | 4610 HAMILTON BLVD ALLENTWON, PA 18103 | HIGHMARK INC. | $284 | $0 | $284 | 2.03% |
| LEHIGH VALLEY BUSINESS COALITION3 Filed as: LEHIGH VALLEY BUSINESS CONF ON HEAL | 60 W BROAD ST BETHLEHEM, PA 18018 | UNITED CONCORDIA COMPANIES, INC. | $0 | $97 | $97 | 1.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFITS, LLC EIN 51-0467698 BROKER | Insurance agents and brokers Service code 22 | — | $70K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $64K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Claims processing Service code 12 | — | $28K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $9K |
| INNOVU BROKER | Insurance agents and brokers Service code 22 | 2403 SIDNEY ST SUITE 225 PITTSBURGH, PA 15203 | $8K |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA COMPANIES, INC. | 0 | $6K |
| Vision | HIGHMARK INC. | 166 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $41K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 162 | $519K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 228 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.