| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARON PLANNING CORPORATION3 Filed as: CHARON PLANNING | 2600 KELLY ROAD WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE CO. | $147K | $0 | $147K | 14.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) IN | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY ROAD #300 WARRINGTON, PA 18976 | LINCOLN LIFE & ANNUITY CO. OF NY | $5K | $0 | $5K | 4.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD #300 WARRINGTON, PA 18976 | LINCOLN LIFE & ANNUITY CO. OF NY | $3K | $0 | $3K | 4.35% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVENUE SUITE S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY CO. OF NY | $2K | — | $2K | 2.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) IN | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | UNUM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 20.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AMERITAS | $2K | $0 | $2K | 8.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue Service code 12 | — | $50K |
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 | 656 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 656 | $984K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO. | 656 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 504 | $261K |
| Long-term disability | LINCOLN LIFE & ANNUITY CO. OF NY | 486 | $114K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE CO. | 656 | $984K |
| Other | LINCOLN LIFE & ANNUITY CO. OF NY | 486 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.