| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $146K | — | $146K | 9.59% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | HEALTH ALLIANCE PLAN | $17K | — | $17K | 1.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.52% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 2.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | COMMUNITY INSURANCE COMPANY | $702 | — | $702 | 1.20% |
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 | 577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,183 | $2.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,183 | $1.6M |
| Vision | VISION SERVICE PLAN | 392 | $68K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $358K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $357K |
| Prescription drug(8 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,183 | $3.3M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 580 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.