| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $26K | — | $26K | 4.12% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $711 | $11K | 13.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | PRINCIPAL LIFE INSURANCE COMPANY | — | $576 | $576 | 0.71% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 7.98% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | COMPANION LIFE INS. CO. | $4K | — | $4K | 9.79% |
| THOMAS W. MAYER3 | 325 CEDAR ST. NO. 800 SAINT PAUL, MN 55101 | COMPANION LIFE INS. CO. | $2K | — | $2K | 4.89% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | COMPANION LIFE INS. CO. | $1K | — | $1K | 9.84% |
| THOMAS W. MAYER3 | 325 CEDAR ST. NO. 800 SAINT PAUL, MN 55101 | COMPANION LIFE INS. CO. | $605 | — | $605 | 4.92% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 163 | $107K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $81K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $81K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $81K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 218 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.