| 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 | $17K | $0 | $17K | 15.00% |
| BETHANY L ANDERSON3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $6K | $43 | $6K | 5.39% |
| QUENTIN C KENT3 | PO BOX 3562 ALLENTOWN, PA 18106 | AFLAC | $2K | $0 | $2K | 1.51% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $1K | $0 | $1K | 1.05% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $696 | $18 | $714 | 0.66% |
| WILLIAM M KNOTT3 | 645 SILVER BIRCH PL LONGWOOD, FL 32750 | AFLAC | $583 | $0 | $583 | 0.54% |
| KYMBERLY G KNOTT3 | 645 SILVER BIRCH PL LONGWOOD, FL 32750 | AFLAC | $531 | $0 | $531 | 0.49% |
| EDWARD F MROWKA JR3 Filed as: EDWARD MROWKA JR | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $505 | $0 | $505 | 0.47% |
| ISABELLA ROSE ANDREWS3 | 6154 VERA CRUZ RD CENTER VALLEY, PA 18034 | AFLAC | $469 | $27 | $496 | 0.46% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $450 | $0 | $450 | 0.42% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $396 | $0 | $396 | 0.37% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $316 | $18 | $334 | 0.31% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 57754 | AFLAC | $288 | $0 | $288 | 0.27% |
| DEANNE L MILLER3 Filed as: DEANNE LYNN HARMAN | 1208 WELBORN RD WILMINGTON, NC 28409 | AFLAC | $247 | $0 | $247 | 0.23% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26300 | AFLAC | $177 | $0 | $177 | 0.16% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $173 | $0 | $173 | 0.16% |
| 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 | $84 | $0 | $84 | 0.08% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $72 | $0 | $72 | 0.07% |
| JNE INC3 | PO BOX 267 WHITEHALL, PA 18052 | AFLAC | $66 | $0 | $66 | 0.06% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $60 | $0 | $60 | 0.06% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $56 | $0 | $56 | 0.05% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $27 | $0 | $27 | 0.02% |
| JAYNE D HARMON3 | 416 N 5TH ST APT 6 EMMAUU, PA 18049 | AFLAC | $19 | $0 | $19 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $19 | $0 | $19 | 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 | $17 | $0 | $17 | 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 | $15 | $0 | $15 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $15 | $0 | $15 | 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% |
| JOHN D SELL3 | 2915 W PENNSYLVANIA ST ALLENTOWN, PA 18104 | AFLAC | $6 | $0 | $6 | 0.01% |
| MARY ELLEN BELL GRETH3 | 1807 READING BLVD WYOMISSING, PA 18104 | AFLAC | $5 | $0 | $5 | 0.00% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $5 | $0 | $5 | 0.00% |
| 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 | 18.00% |
| 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 | $1K | $0 | $1K | 11.90% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | FEDERAL INSURANCE COMPANY | $653 | $68 | $721 | 16.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BSI CORPORATE BENEFITS, LLC EIN 51-0467698 BROKER | Insurance agents and brokers Service code 22 | — | $153K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $75K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $27K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $26K |
| INNOVU BROKER | Insurance agents and brokers Service code 22 | 2403 SIDNEY ST STE 225 PITTSBURGH, PA 15203 | $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 |
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | -$517K |
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 | 476 | 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) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 711 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $114K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $103K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 479 | $1.1M |
| Other(7 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.