| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATION SERVICES, INC5 Filed as: BENEFIT COMMUNICATION SVCS | 7771 WEST OAKLAND PARK BLVD STE 217 SUNRISE, FL 33351 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $560 | — | $560 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Claims processing Service code 12 | — | $5.9M |
| TRI-STATE ADMINISTRATORS EIN 22-3478819 NONE | Contract Administrator Service code 13 | 27 ROLAND AVENUE MT LAUREL, NJ 08054 | $2.1M |
| AMERIHEALTH ADMINISTRATORS EIN 23-2521508 NONE | Claims processing Service code 12 | — | $268K |
| SPEAR WILDERMAN PC EIN 23-2749511 NONE | Legal Service code 29 | 230 S BROAD ST,SUITE 1400 PHILADELPHIA, PA 19102 | $211K |
| HEALTH MAP INC NONE | Other services Service code 49 | 1 CLEMENTS COURT MT LAUREL, NJ 08054 | $165K |
| O'BRIEN BELLAND & BUSHINSKY LLC EIN 37-1467056 NONE | Legal Service code 29 | — | $129K |
| HEALTH PLAN SYSTEMS EIN 01-0589640 NONE | Consulting (general) Service code 16 | — | $104K |
| KRAMER-WARNER ASSOCIATES EIN 23-1742926 NONE | Insurance agents and brokers Service code 22 | 3545 RHOADS AVENUE NEWTOWN SQUARE, PA 19073 | $38K |
| BARATZ & ASSOCIATES, P.A. EIN 22-2212404 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| CHEIRON EIN 13-4215617 NONE | Actuarial Service code 11 | — | $23K |
| STEVENS & LEE NONE | Legal Service code 29 | 620 FREEDOM BUSINESS CENT KING OF PRUSSIA, PA 19406 | $20K |
| FRANK M VACCARO & ASSOCIATES EIN 23-2148108 NONE | Consulting (general) Service code 16 | — | $11K |
| HEALTH MANIFEST NONE | Other services Service code 49 | 2541 MARBLEHEAD DRIVE SARASOTA, FL 34231 | $10K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Investment advisory (plan) Service code 27 | — | $8K |
| KEARNEY, BURNS, AND MARTONE EIN 22-2616922 NONE | Legal Service code 29 | — | $7K |
| SCOTT LEVINE EIN 05-6485393 NONE | Legal Service code 29 | — | $7K |
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 | 3,135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 524 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GROUP DENTAL SERVICE OF MARYLAND, INC | 257 | $40K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 2,894 | $160K |
| Life insurance | AMALGAMATED LIFE INSURANCE CO | 2,266 | $128K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,363 | $801K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,894 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.