| 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 | INDEPENDENCE BLUE CROSS - KEYSTONE | $116K | $0 | $116K | 2.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 189763652 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $15K | 8.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | AETNA LIFE INSURANCE CO. | $2K | $219 | $3K | 7.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $921 | $4K | 14.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $965 | $5K | 18.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | FIDELITY SECURITY LIFE INSURANCE COMPANY- EYEMED | $1K | $0 | $1K | 9.18% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 509 | $3.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $224K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 509 | $3.9M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 304 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $30K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 509 | $3.9M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 304 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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."
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.