| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 100 FRONT STREET SUITE 610 WORCHESTER, MA 01608 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $60K | $55K | $115K | 9.58% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $60K | $0 | $60K | 5.00% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $4K | $14K | 2.23% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $8K | $0 | $8K | 1.31% |
| EMERSON REID LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $1K | $0 | $1K | 0.19% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $10 | $24K | 13.77% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | VISION SERVICE PLAN | $332 | $0 | $332 | 0.22% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10315 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $9K | $7K | $16K | 15.13% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | UNUM LIFE INSURANCE COMPANY | $4K | $721 | $5K | 4.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVENUE OF THE AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $5K | $0 | $5K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $867K |
| DELTA DENTAL OF NEW YORK EIN 11-1980218 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $73K |
| BSC GROUP SERVICES, LLC EIN 22-3621122 BROKER | Other commissions Service code 55 | 133 PROSPECT STREET WESTFIELD, NJ 07090 | $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 | 1,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 864 | $151K |
| Life insurance | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,517 | $630K |
| Short-term disability(2 contracts, 2 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,233 | $210K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,220 | $650K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 1,262 | $1.2M |
| Other(3 contracts, 3 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,517 | $823K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,517 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.