| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS | 79 WEST MARKET ST SUITE 400 BETHLEHEM, PA 18018 | DELTA DENTAL OF PENNSYLVANIA | $9K | $0 | $9K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | NATIONAL VISION ADMINISTRATORS (NGL) | $630 | $0 | $630 | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC. | 9901 BUSINESS PARKWAY SUITE B LANHAM, MD 20706 | HARTFORD LIFE & ACCIDENT INSURANCE | $1K | $0 | $1K | 12.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE & ACCIDENT INSURANCE | $0 | $173 | $173 | 1.62% |
| BSI CORPORATE BENEFITS LLC3 | 79 WEST MARKET ST SUITE 400 BETHLEHEM, PA 18018 | HARTFORD LIFE & ACCIDENT INSURANCE | $124 | $0 | $124 | 1.16% |
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 | 364 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 183 | $92K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 138 | $13K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE | 364 | $11K |
| Other | HARTFORD LIFE & ACCIDENT INSURANCE | 364 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.