| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLADE BENEFIT CONSULTING LLC3 Filed as: BLADE LLC | 365 EDWIN DR VIRGINIA BEACH, VA 234624522 | UNITEDHEALTHCARE INSURANCE COMPANY | $62K | $379K | $441K | 4.31% |
| BLADE BENEFIT CONSULTING LLC3 | 117 NORTH GOLD DR BLDG 1 ROBBINSVILLE, NJ 08691 | STANDARD INSURANCE COMPANY | $43K | — | $43K | 12.54% |
| BLADE BENEFIT CONSULTING LLC3 | 117 NORTH GOLD DR BLDG 1 ROBBINSVILLE, NJ 08691 | STANDARD INSURANCE COMPANY | $38K | $3K | $41K | 19.52% |
| BLADE BENEFIT CONSULTING LLC3 | 117 NORTH GOLD DR BLDG 1 ROBBINSVILLE, NJ 08691 | STANDARD INSURANCE COMPANY | $28K | $2K | $30K | 19.53% |
| BLADE BENEFIT CONSULTING LLC3 Filed as: BLADE LLC | WILLIAM BEAVERS 117 NORTH GOLD R BLDG 1 ROBBINSVILLE, NJ 086910472 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 26.21% |
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 | 1,096 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,451 | $10.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,451 | $10.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,451 | $10.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,096 | $341K |
| Short-term disability | STANDARD INSURANCE COMPANY | 205 | $211K |
| Long-term disability | STANDARD INSURANCE COMPANY | 147 | $156K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,096 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,451 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.