| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $0 | $18K | 14.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 3.07% |
| BETHANY L ANDERSON3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $5K | $0 | $5K | 4.57% |
| QUENTIN C KENT3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $2K | $0 | $2K | 1.66% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $1K | $0 | $1K | 1.09% |
| ISABELLA ROSE ANDREWS3 | 6154 VERA CRUZ RD CENTER VALLEY, PA 18034 | AFLAC | $723 | $0 | $723 | 0.65% |
| WILLIAM M KNOTT3 | 645 SILVER BIRCH PL LONGWOOD, FL 32750 | AFLAC | $612 | $0 | $612 | 0.55% |
| KYMBERLY G KNOTT3 | 645 SILVER BIRCH PL LONGWOOD, FL 32750 | AFLAC | $591 | $0 | $591 | 0.53% |
| EDWARD F MROWKA JR3 Filed as: EDWARD MROWKA JR | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $572 | $0 | $572 | 0.51% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $500 | $0 | $500 | 0.45% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $437 | $0 | $437 | 0.39% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $423 | $0 | $423 | 0.38% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 57754 | AFLAC | $289 | $0 | $289 | 0.26% |
| DEANNE L MILLER3 Filed as: DEANNE LYNN HARMAN | 1208 WELBORN RD WILMINGTON, NC 28409 | AFLAC | $233 | $0 | $233 | 0.21% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26300 | AFLAC | $212 | $0 | $212 | 0.19% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $184 | $0 | $184 | 0.16% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $152 | $0 | $152 | 0.14% |
| KEVIN W KREPINEVICH3 | 4091 E TEXAS RD ALLENTOWN, PA 18103 | AFLAC | $109 | $0 | $109 | 0.10% |
| JAMES ELDER BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $85 | $0 | $85 | 0.08% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $80 | $0 | $80 | 0.07% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $71 | $0 | $71 | 0.06% |
| JNE INC3 | PO BOX 267 WHITEHALL, PA 18052 | AFLAC | $66 | $0 | $66 | 0.06% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $62 | $0 | $62 | 0.06% |
| JAYNE D HARMON3 | 416 N 5TH ST APT 6 EMMAUU, PA 18049 | AFLAC | $37 | $0 | $37 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $29 | $0 | $29 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $22 | $0 | $22 | 0.02% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $19 | $0 | $19 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $19 | $0 | $19 | 0.02% |
| HARRY D WAGNER3 | PO BOX 7247 AUDUBON, PA 19407 | AFLAC | $17 | $0 | $17 | 0.02% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS INC | 2221 LEHIGH PKWY N ALLENTOWN, PA 18103 | AFLAC | $16 | $0 | $16 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $16 | $0 | $16 | 0.01% |
| JEFFREY C GRIM3 | 4700 DUNHAM DR READING, PA 19606 | AFLAC | $15 | $0 | $15 | 0.01% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $11 | $0 | $11 | 0.01% |
| QUENTIN C KENT II3 | 301 S COMMERCE ST CENTREVILLE, MD 21617 | AFLAC | $7 | $0 | $7 | 0.01% |
| MARY ELLEN BELL GRETH3 | 1807 READING BLVD WYOMISSING, PA 18104 | AFLAC | $7 | $0 | $7 | 0.01% |
| JOHN D SELL3 | 2915 W PENNSYLVANIA ST ALLENTOWN, PA 18104 | AFLAC | $6 | $0 | $6 | 0.01% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $6 | $0 | $6 | 0.01% |
| FAITH M BURRIS3 | 11 GLOUCHESTER CT HOT SPRINGS, AR 71901 | AFLAC | $4 | $0 | $4 | 0.00% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $0 | $18K | 16.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $872 | $4K | 3.34% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 79 W MARKET ST STE 400 BETHLEHEM, PA 18018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $207 | $196 | $403 | 3.26% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | FEDERAL INSURANCE COMPANY | $800 | $0 | $800 | 18.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $7 | $7 | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFITS, LLC EIN 51-0467698 BROKER | Insurance agents and brokers Service code 22 | — | $140K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $73K |
| UNITED CONCORDIA EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $26K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $25K |
| LEHIGH VALLEY BUSINESS CONF ON HC BROKER BONUS | Insurance agents and brokers Service code 22 | 60 W BROAD ST SUITE 302A BETHLEHEM, PA 18018 | $0 |
| NFP BROKER | Insurance agents and brokers Service code 22 | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | $0 |
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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 697 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 531 | $128K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 534 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 529 | $110K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 480 | $908K |
| Other(5 contracts, 5 carriers) | AFLAC | 546 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.