| 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 63622 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 0.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $24K | $0 | $24K | 10.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | SYMETRA LIFE INSURANCE COMPANY | $2K | $942 | $3K | 13.39% |
| ELM STREET CAPITAL LLC3 | 5906 CARDINAL LAKE DRIVE GREENSBORO, NV 27410 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 10.26% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVE STE 1500 DETROIT, MI 48266 | SYMETRA LIFE INSURANCE COMPANY | $237 | $147 | $384 | 1.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | METLIFE LEGAL PLANS | $347 | $0 | $347 | 10.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPROATE SERVICES PA INC | 2500 KELLY RD STE 300 WARRINGTON, PA 18976 | METLIFE LEGAL PLANS | $0 | $39 | $39 | 1.23% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $2.7M |
| Vision | VISION SERVICE PLAN | 144 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 292 | $224K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 292 | $224K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 292 | $224K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 292 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.