| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | UNITEDHEALTHCARE INSURANCE COMPANY | $714 | $15K | $16K | 4.81% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 1.47% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $150 | $150 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY RD STE 300 MINNEAPOLIS, MN 55431 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 13.89% |
| EVANS PANCOAST3 | 423 HEATHERWOOD LANE DEVON, PA 19333 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $562 | $0 | $562 | 1.17% |
| INDEPENDENCE PLANNING GROUP3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 0.01% |
| MAZZMAR LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.00% |
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 | 105 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $327K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $327K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $327K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $48K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $48K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $327K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.