| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NESTER INSURANCE INC3 | 313 W RIDGE PIKE 2ND FLOOR LIMERICK, PA 19468 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 17.21% |
| MICHAEL MCCUSKER3 | 7975 OXFORD AVE PHILADELPHIA, PA 19111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $237 | $0 | $237 | 3.14% |
| NESTER INSURANCE INC3 | 1007 DUCHESS COURT LIMERICK, PA 19468 | DELTA DENTAL-SBA | $742 | $0 | $742 | 10.98% |
| BRIAN M NESTER3 | 1007 DUCHESS CT LIMERICK, PA 19468 | VISION SERVICE PLAN | $611 | $0 | $611 | 12.61% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 400 ROCKVILLE, MD 20850 | VISION SERVICE PLAN | $15 | $0 | $15 | 0.31% |
| NESTER INSURANCE INC3 | 313 W RIDGE PIKE 2ND FLOOR LIMERICK, PA 19468 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $464 | $0 | $464 | 26.77% |
| MICHAEL MCCUSKER3 | 7975 OXFORD AVE PHILADELPHIA, PA 19111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | $0 | $137 | 7.91% |
| NESTER INSURANCE INC3 | 313 W RIDGE PIKE 2ND FLOOR LIMERICK, PA 19468 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $217 | $0 | $217 | 15.17% |
| MICHAEL MCCUSKER3 | 7975 OXFORD AVE PHILADELPHIA, PA 19111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 2.59% |
| NESTER INSURANCE INC3 Filed as: NESTER INSURANCE | 313 W RIDGE PIKE 2ND FLOOR LIMERICK, PA 19468 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | $0 | $193 | 14.21% |
| MICHAEL MCCUSKER3 | 7975 OXFORD AVE PHILADELPHIA, PA 19111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 3.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NESTER INSURANCE BROKER | Insurance agents and brokers Service code 22 | 313 W RIDGE PIKE ROYERSFORD, PA 19468 | $21K |
| MARITAIN EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $16K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
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 | 34 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 37 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL-SBA | 10 | $7K |
| Vision | VISION SERVICE PLAN | 29 | $5K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 9 | $2K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 13 | $8K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 34 | $72K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 14 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.