| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $41K | — | $41K | 0.98% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DR SUITE 250 WAYNE, PA 19087 | CAPITAL ADVANTAGE INSURANCE COMPANY | $24K | — | $24K | 1.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE | $17K | $4K | $21K | 10.44% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $864 | $8K | 11.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS. SERVICES | 1250 S CAPITAL OF TEXAS HIGHWAY BLDG 2 SIUTE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $572 | $12 | $584 | 0.86% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | FOUR EVER LIFE INS CO. | $225 | — | $225 | 15.00% |
| CAPITAL BLUE CROSS0 | 2500 ELMERTON AVENUE HARRISBURG, PA 17177 | FOUR EVER LIFE INS CO. | — | $60 | $60 | 4.00% |
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 | 618 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,017 | $6.6M |
| Dental | GUARDIAN LIFE | 635 | $202K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,017 | $4.2M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE | 635 | $270K |
| Short-term disability | GUARDIAN LIFE | 635 | $202K |
| Long-term disability | GUARDIAN LIFE | 635 | $202K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,017 | $6.6M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE | 635 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,017 | — |
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.