| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES INC | 122 EBELHARE ROAD POTTSTOWN, PA 19465 | EYEMED VISION CARE | $1K | $0 | $1K | 0.10% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES INC | 122 EBELHARE ROAD POTTSTOWN, PA 19465 | DELTA DENTAL OF PENNSYLVANIA | $8K | $0 | $8K | 10.00% |
| BENEFIT STRATEGIES CONSULTING INC3 Filed as: BENEFIT STRATEGIES CONSULTING, INC. | 122 EBELHARE ROAD, SUITE B3 POTTSTOWN, PA 19465 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $197 | $3K | 10.81% |
| BENEFIT STRATEGIES CONSULTING INC3 | 122 EBELHARE RD STE B-3 POTTSTOWN, PA 19465 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $183 | $2K | 10.85% |
| BENEFIT STRATEGIES CONSULTING INC3 Filed as: BENEFIT STRATEGIES CONSULTING, INC. | 122 EBELHARE ROAD, SUITE B3 POTTSTOWN, PA 19465 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $93 | $1K | 10.67% |
| BENEFIT STRATEGIES CONSULTING INC3 Filed as: BENEFIT STRATEGIES CONSULTING, INC. | 122 EBELHARE ROAD, SUITE B3 POTTSTOWN, PA 19465 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $87 | $1K | 10.64% |
| BENEFIT STRATEGIES CONSULTING INC3 Filed as: BENEFIT STRATEGIES CONSULTING, INC. | 122 EBELHARE ROAD, SUITE B3 POTTSTOWN, PA 19465 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $261 | — | $261 | 10.00% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 242 | $75K |
| Vision | EYEMED VISION CARE | 202 | $1.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 32 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $14K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.