| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATION3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $19K | — | $19K | 5.23% |
| HAMPSON MOWRER AGENCY LLC3 Filed as: HAMPSON-MOWRER AGENCY, LLC | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $20K | $20K | 6.16% |
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET, STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 12.28% |
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET, STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 11.73% |
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET, STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $727 | $765 | $1K | 12.32% |
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET, STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $652 | $634 | $1K | 11.84% |
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET, STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $145 | $170 | $315 | 13.07% |
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET, STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $107 | $132 | $239 | 13.40% |
No Schedule C service providers reported on this filing.
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 124 | $684K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $11K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $26K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
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.