| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $51K | — | $51K | 3.78% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | BLUE CROSS OF CALIFORNIA | $76K | — | $76K | 6.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DR STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 074071361 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 4.61% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 190875565 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.77% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $433 | $5K | 11.24% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.14% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | PRINCIPAL LIFE INSURANCE COMPANY | $839 | — | $839 | 2.03% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $3K | $1K | $4K | 10.44% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 4.06% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | SAFEGUARD HEALTH PLANS, INC. | $449 | — | $449 | 9.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DR STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 074071361 | SAFEGUARD HEALTH PLANS, INC. | $166 | $50 | $216 | 4.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | SAFEGUARD HEALTH PLANS, INC. | $41 | — | $41 | 0.91% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $339 | — | $339 | 10.00% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | AETNA INTERNATIONAL | $150 | — | $150 | 7.50% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 215 | $2.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $195K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 284 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 286 | $36K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $41K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 215 | $2.6M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 204 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.