| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $0 | $29K | $29K | 5.18% |
| BSI CORPORATE BENEFITS LLC3 | 79 WEST MARKET ST SUITE 400 BETHLEHEM, PA 18018 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 4.23% |
| JAMES A RUSH3 Filed as: JAMES A. RUSH | 1822 FAIRVEIW AVE EASTON, PA 18042 | AFLAC | $808 | $129 | $937 | 3.11% |
| HUGHEY W HAUGHNEY3 | 1371 OAK DR MACUNGIE, PA 18062 | AFLAC | $755 | $0 | $755 | 2.51% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $678 | $0 | $678 | 2.25% |
| JAMES A RUSH3 | 2118 GRUVER AVE EASTON, PA 18045 | AFLAC | $337 | $0 | $337 | 1.12% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $251 | $30 | $281 | 0.93% |
| EDWARD T SAWICKI3 | 3832 LINDEN ST ALLENTOWN, PA 18104 | AFLAC | $188 | $0 | $188 | 0.62% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 29100 NORTHWESTERN HWY STE 310 SOUTHFIELD, MI 48034 | AFLAC | $182 | $0 | $182 | 0.60% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B MCGINTY, JR | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $116 | $30 | $146 | 0.48% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $89 | $0 | $89 | 0.30% |
| NORMAN PINHAS3 | 2A LONGSTREET RD MONROE TOWNSHIP, NJ 08831 | AFLAC | $23 | $0 | $23 | 0.08% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $0 | $0 | $0 | 0.00% |
| ROB VEST4 | 139 DUTCHMANS POINT PORT HAYWOOD, VA 23138 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 32.49% |
| TONYA M MACK4 Filed as: TONYA MACK | 5023 W QUINCY ST CHICAGO, IL 60644 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $117 | $0 | $117 | 1.89% |
| STEVE VAN KOUTEREN4 | 1936 W WASHINGTON ST ALLENTOWN, PA 18104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $25 | $0 | $25 | 0.40% |
| RONALD DAVIS4 | 1015 SIVELY ST HANOVER TOWNSHIP, PA 18706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $20 | $0 | $20 | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $278K |
| JANUS ASSOCIATES EIN 52-1306404 ADMIN | Claims processing Service code 12 | — | $50K |
| GEISINGER EIN 23-2311553 ADMIN | Claims processing Service code 12 | — | $32K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $20K |
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 | 574 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | 18 | $5K |
| Vision | VISION BENEFITS OF AMERICA | 284 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 579 | $283K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 579 | $283K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 579 | $283K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 523 | $564K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 579 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.