| 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 | $59K | — | $59K | 3.91% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | BLUE CROSS OF CALIFORNIA | $66K | — | $66K | 5.57% |
| 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 | $10K | $2K | $12K | 5.91% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 190875565 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 4.01% |
| 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 | $2K | $12 | $2K | 0.86% |
| EMERSON REID LLC3 | 1305 WALT WHITMON RD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 15.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $65 | $65 | 0.10% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.09% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.03% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 18.30% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $427 | $57 | $484 | 11.52% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 074071361 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $214 | $41 | $255 | 6.07% |
| 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., A CALIFORNIA CORPORATION | $41 | — | $41 | 0.98% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 SUITE 250 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $175 | — | $175 | 10.02% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | 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 | 221 | $2.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 397 | $204K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 305 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 282 | $62K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 147 | $39K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 221 | $2.7M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 282 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.