| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY DRIVE WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS | $37K | $0 | $37K | 0.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | DELTA DENTAL OF PENNSYLVANIA | -$359 | $0 | -$359 | -0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY. SOUTH BLDG. II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $216 | $0 | $216 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY. SOUTH BLDG. II SUITE 600 ASUTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $76 | $0 | $76 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY. SOUTH BLDG. II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $135 | $0 | $135 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD WARRINGTON, PA 18976 | FIDELITY SECURITY LIFE INSURANCE CO.-EYEMED VISION CARE | $3K | $0 | $3K | 4.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $602 | $0 | $602 | 1.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY. SOUTH BLDG. II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $586 | $586 | 1.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | DELTA DENTAL | $242 | $0 | $242 | 0.78% |
| AMERIHEALTH ADMINISTRATORS INC5 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET ST., 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INS. COMPANY | $0 | $105 | $105 | 4.00% |
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 | 1,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 1,626 | $10.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 655 | $554K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO.-EYEMED VISION CARE | 1,430 | $60K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,071 | $253K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 744 | $283K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,071 | $183K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 1,626 | $10.1M |
| Other(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 1,626 | $10.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,626 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.