| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARE, ANTHONY J3 | 29100 NORTHWESTERN HWY STE 310 SOUTHFIELD, MI 48034 | HIGHMARK, INC. | $6K | $0 | $6K | 7.90% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK, INC. | $2K | $0 | $2K | 1.97% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | PO BOX 4925 LANCASTER, PA 17604 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 12.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNSYLVANIA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 10.87% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | TRUSTMARK INSURANCE COMPANY | $403 | $0 | $403 | 0.90% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | PO BOX 4925 LANCASTER, PA 17604 | TRUSTMARK INSURANCE COMPANY | $8K | $0 | $8K | 21.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNSYLVANIA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 17.46% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $844 | $3K | 14.78% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 22.30% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | PO BOX 4925 LANCASTER, PA 17604 | TRUSTMARK INSURANCE COMPANY | $781 | $0 | $781 | 7.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNSYLVANIA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | TRUSTMARK INSURANCE COMPANY | $521 | $0 | $521 | 4.68% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | PO BOX 4925 LANCASTER, PA 17604 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 20.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNSYLVANIA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 18.61% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | TRUSTMARK INSURANCE COMPANY | $156 | $0 | $156 | 1.75% |
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 | 262 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK, INC. | 329 | $80K |
| Vision | HIGHMARK, INC. | 329 | $80K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 418 | $55K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 70 | $45K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 418 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
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.