| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES INC | 7272 INDIAN SCHOOL ROAD SUITE 220 SCOTTSDALE, AZ 85251 | AETNA LIFE INSURANCE CO. | $76K | — | $76K | 5.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $48K | — | $48K | 3.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 7300 RADNOR, PA 19087 | BLUEGRASS FAMILY HEALTH, INC. | $20K | — | $20K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | HEALTH CARE SERVICE CORPORATION | $8K | — | $8K | 0.80% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR PA | PO BOX 905494 CHARLOTTE, NC 28290 | COMBINED INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 5.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | CALIFORNIA PHYSICIANS SERVICE | $12K | — | $12K | 5.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 794381 DALLAS, TX 753794381 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.95% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.97% |
| BYHAMS INS SVS INC3 Filed as: BYHAMS INSURANCE | 1098 PARK AVENUE MEADVILLE, PA 16335 | UPMC HEALTH NETWORK INC. | $3K | — | $3K | 3.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| BYHAMS INS SVS INC3 | 1098 PARK AVENUE MEADVILLE, PA 16335 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $434 | — | $434 | 5.24% |
| LIFETIME FINANCIAL GROWTH3 | 244 BLVD OF THE ALLIES 6TH FLOOR PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 555 EAST LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $96 | — | $96 | 3.03% |
| BYHAMS INS SVS INC3 Filed as: BYHAMS INSURANCE SERVICES INC | 1098 PARK AVENUE MEADVILLE, PA 16335 | VISION BENEFITS OF AMERICA | $105 | — | $105 | 7.99% |
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 | 1,883 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 11 carriers) | HEALTH OPTIONS INC | 1,519 | $9.6M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10 | $221K |
| Vision(4 contracts, 4 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 2,926 | $378K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,595 | $1.4M |
| Prescription drug | AETNA INTERNATIONAL | 10 | $69K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,595 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,926 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.