| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATION SERVICES, INC Filed as: BENEFIT COMMUNICATION SERVICES | 7771 WEST OAKLAND PARK BLVD STE 217 SUNRISE, FL 33351 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $104 | — | $104 | 10.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRI-STATE ADMINISTRATORS EIN 22-3478819 NONE | Direct payment from the plan; Consulting (general); Contract Administrator Service code 13 | 27 ROLAND AVENUE MT LAUREL, NJ 08054 | $2.0M |
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $724K |
| AMERIHEALTH ADMINISTRATORS EIN 23-2521508 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $215K |
| SPEAR WILDERMAN PC EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | 230 S BROAD ST,SUITE 1400 PHILADELPHIA, PA 19102 | $177K |
| O'BRIEN BELLAND & BUSHINSKY LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | — | $131K |
| HEALTH PLAN SYSTEMS EIN 01-0589640 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $109K |
| EXPRESS SCRIPTS INC EIN 43-1420563 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $94K |
| HEALTH MAP INC NONE | Other services; Direct payment from the plan Service code 49 | 1 CLEMENTS COURT MT LAUREL, NJ 08054 | $81K |
| STEVENS & LEE NONE | Legal; Direct payment from the plan Service code 29 | 620 FREEDOM BUSINESS CENT KING OF PRUSSIA, PA 19406 | $57K |
| KRAMER-WARNER ASSOCIATES EIN 23-1742926 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 3545 RHOADS AVENUE NEWTOWN SQUARE, PA 19073 | $35K |
| BARATZ & ASSOCIATES, P.A. EIN 22-2212404 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| CHEIRON INC EIN 13-4215617 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $13K |
| XL COMMUNICATIONS INC EIN 13-2445959 NONE | Other services; Direct payment from the plan Service code 49 | — | $10K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $8K |
| HEALTH MANIFEST NONE | Direct payment from the plan; Other services Service code 49 | 2541 MARBLEHEAD DR SARASOTA, FL 34231 | $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 | 2,898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 539 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 2,778 | $133K |
| Life insurance | AMALGAMATED LIFE INSURANCE CO | 674 | $122K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,354 | $864K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,778 | — |
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.