| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS3 Filed as: EMPLOYEE BENEFITS CONSULTANTS, LLC | 682 NORTH BROOKSIDE RD, SUITE 100 ALLENTOWN, PA 18106 | UNITED CONCORDIA INSURANCE COMPANY | $586 | $0 | $586 | 1.65% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 79 W. MARKET ST BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $946 | $2K | 13.92% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $286 | $143 | $429 | 2.55% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 79 W. MARKET ST BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $836 | $2K | 14.31% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $233 | $117 | $350 | 2.50% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 79 W. MARKET ST BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $743 | $2K | 14.42% |
| EMERSON REID LLC3 | 261 MADISON AVE ST 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $202 | $101 | $303 | 2.48% |
| BSI CORPORATE BENEFITS LLC3 | 29100 NORTHWESTERN HWY. SUITE 310 SOUTHFIELD, MI 48034 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $293 | $0 | $293 | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFITS, LLC BROKER | Insurance agents and brokers Service code 22 | 79 WEST MARKET STREET SUITE 400 BETHLEHEM, PA 18018 | $37K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $32K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 63 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 64 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 127 | $36K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 52 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $17K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 64 | $184K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
No prospect flags tripped on this filing.