| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 28411 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $1K | — | $1K | 0.18% |
| HAMPSON MOWRER AGENCY LLC3 Filed as: THE HAMPSON MOWRER KREITZ AGENCY | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $341 | — | $341 | 0.04% |
| JP WARNER ASSOCIATES, INC.3 Filed as: JP WARNER ASSOCIATES, INC | 485 DEVON PARK DRIVE SUITE 103 WAYNE, PA 19087 | AVALON INSURANCE COMPANY | $60K | — | $60K | 12.00% |
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 | 1,574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 2,549 | $788K |
| Vision | HIGHMARK LIFE INSURANCE COMPANY | 1,614 | $153K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 1,614 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,549 | — |
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."
No prospect flags tripped on this filing.