| 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 | $59K | — | $59K | 5.00% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $59K | $0 | $59K | 5.00% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $7K | $0 | $7K | 1.01% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $1K | $0 | $1K | 0.15% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $5K | $15K | 2.34% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | UNUM LIFE INSURANCE COMPANY | $7K | $3K | $10K | 2.42% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $30 | $26K | 14.08% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.13% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | FIRST UNUM INSURANCE COMPANY | $4K | $495 | $4K | 14.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $5K | $0 | $5K | 25.00% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 CLAIMS PROCESSING | Claims processing; Other services Service code 12 | — | $731K |
| DELTA DENTAL EIN 11-1980218 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $76K |
| 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 | 1,257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 931 | $166K |
| Life insurance | UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,517 | $685K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 1,285 | $440K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,500 | $655K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 1,266 | $1.2M |
| Other(4 contracts, 4 carriers) | UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,517 | $901K |
| 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.