| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXG ADVISORS3 | 50 S 16TH ST 17TH FL PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $238K | $0 | $238K | 16.21% |
| AXG ADVISORS3 | 50 S 16TH STREET 17TH FL PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109K | $0 | $109K | 17.04% |
| AXG ADVISORS3 Filed as: AXG INSURANCE ADVISORS | 50 S 16TH STREET 17TH FLOOR PHILADELPHIA, PA 19102 | PAN AMERICAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $6K | $50K | 11.87% |
| AXG ADVISORS3 | 50 S 16TH ST 17TH FLOOR PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 4.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 4.88% |
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 | 5,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 105 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 226 | $748K |
| Vision | VISION SERVICE PLAN | 3,535 | $403K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,867 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,168 | $422K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,867 | $1.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,867 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,867 | — |
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.