| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $62K | $62K | 2.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $34K | $34K | 1.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC.PA | 2600 KELLY RD. STE 300 WARRINGTON, PA 18976 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | $0 | $4K | 2.75% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | $0 | $1K | 0.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $7K | $9K | 11.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.98% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 196 | $2.2M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 244 | $129K |
| Vision | EYEMED VISION CARE ON BEHALF OF VIDELITY SECURITY LIFE INSURANCE CO. | 287 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $82K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 196 | $2.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.