| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | SYMETRA LIFE INSURANCE COMPANY | $0 | $20K | $20K | 3.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD WARRINGTON, PA 18976 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| CHARON PLANNING CORPORATION3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $758 | $0 | $758 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 2600 KELLY ROAD WARRINGTON, PA 18976 | ZURICH AMERICAN INSURANCE COMPANY | $871 | $0 | $871 | 14.99% |
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 | 725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 140 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4 | $40K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 479 | $115K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 855 | $503K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 855 | $503K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 855 | $503K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,012 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,012 | — |
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."
No prospect flags tripped on this filing.