| 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 | $0 | $12K | 5.06% |
| JAMES A RUSH3 Filed as: JAMES A. RUSH | 2118 GRUVER AVE EASTON, PA 18045 | AFLAC | $849 | $31 | $880 | 2.63% |
| HUGHEY W HAUGHNEY3 | 1371 OAK DR MACUNGIE, PA 18062 | AFLAC | $795 | $0 | $795 | 2.38% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $718 | $0 | $718 | 2.15% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $410 | $7 | $417 | 1.25% |
| EDWARD T SAWICKI3 | 3832 LINDEN ST ALLENTOWN, PA 18104 | AFLAC | $331 | $0 | $331 | 0.99% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B MCGINTY | 2202 CROSS CREEK ROAD MACUNGIE, PA 18062 | AFLAC | $296 | $7 | $303 | 0.91% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $173 | $0 | $173 | 0.52% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 28411 NORTHWESTERN HWY STE 310 SOUTHFIELD, MI 48034 | AFLAC | $120 | $0 | $120 | 0.36% |
| STEPHEN D BISSELL3 | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $96 | $0 | $96 | 0.29% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $76 | $0 | $76 | 0.23% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $49 | $0 | $49 | 0.15% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $47 | $0 | $47 | 0.14% |
| NORMAN PINHAS3 | 2A LONGSTREET RD MONROE TOWNSHIP, NJ 08831 | AFLAC | $29 | $0 | $29 | 0.09% |
| SUMMER L JESS3 | 4129 PENN AVE APT C READING, PA 19608 | AFLAC | $28 | $0 | $28 | 0.08% |
| DENTON E QUICK3 | 2202 WELLINTON BLVD WYOMISSING, PA 19610 | AFLAC | $21 | $0 | $21 | 0.06% |
| IRENE E BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $14 | $0 | $14 | 0.04% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $11 | $0 | $11 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $9 | $0 | $9 | 0.03% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $9 | $0 | $9 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $7 | $0 | $7 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $5 | $0 | $5 | 0.01% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $4 | $0 | $4 | 0.01% |
| ROBERT C. BRENTARI3 Filed as: ROBERT C BRENTARI | 2 PRINCESS ROAD LAWERENCEVILLE, NJ 08648 | AFLAC | $4 | $0 | $4 | 0.01% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE ROAD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $2 | $0 | $2 | 0.01% |
| ROB VEST4 | 280 BLUE BEND ROAD ROCKY MOUNT, VA 24151 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $300 | $0 | $300 | 6.05% |
| STEVE VAN KOUTEREN4 | 551 LENA CIR APT 407 FOGELSVILLE, PA 18051 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | $0 | $27 | 0.54% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $366K |
| UNUM EIN 01-0278678 ADMIN | Claims processing Service code 12 | — | $31K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $19K |
| GEISINGER EIN 23-2311553 ADMIN | Claims processing Service code 12 | — | $17K |
| JANUS ASSOCIATES EIN 52-1306404 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 | 624 | 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) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | 25 | $4K |
| Vision | VISION BENEFITS OF AMERICA | 279 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 624 | $234K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 624 | $234K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 624 | $234K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $0 |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 624 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.