| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 | 79 WEST MARKET ST SUITE 400 BETHLEHEM, PA 18018 | HARTFORD LIFE AND ACCIDENT | $12K | $691 | $13K | 4.21% |
| HEATHER HAILS4 | 31 W WESNER RD BLANDON, PA 19510 | PRE-PAID LEGAL SERVICES, INC. | $34 | $0 | $34 | 3.16% |
| RONALD DAVIS4 | 1015 SIVELY ST HANOVER TOWNSHIP, PA 18706 | PRE-PAID LEGAL SERVICES, INC. | $33 | $0 | $33 | 3.06% |
| STEVE VAN KOUTEREN3 | 1936 W WASHINGTON ST ALLENTOWN, PA 18104 | PRE-PAID LEGAL SERVICES, INC. | $28 | $0 | $28 | 2.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $215K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $15K |
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 | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 82 | $551K |
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | 43 | $8K |
| Vision | VISION BENEFITS OF AMERICA | 300 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 652 | $303K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 652 | $303K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 652 | $303K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 488 | $606K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 652 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.