| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $43K | — | $43K | 8.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | AON CONSULTING INC. 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $3K | $2K | $6K | 1.14% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $745 | $745 | 0.15% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFITS INC. | 1 N. ORMOND AVE. HAVERTOWN, PA 19083 | TRANSAMERICA LIFE INSURANCE COMPANY | $731 | — | $731 | 6.15% |
| THOMAS M. BRINKER3 | 1 N. ORMOND AVE. HAVERTOWN, PA 19083 | TRANSAMERICA LIFE INSURANCE COMPANY | $311 | — | $311 | 2.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL. CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5 | — | $5 | 16.67% |
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 | 506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 1,202 | $9.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,052 | $475K |
| Vision | INDEPENDENCE BLUE CROSS | 1,202 | $9.5M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 507 | $508K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 507 | $497K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1,202 | $9.5M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 507 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,202 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.