| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVANS PANCOAST3 | 237 W LANCASTER AVE STE 251 DEVON, PA 193331580 | UNITEDHEALTCHCARE INSURANCE COMPANY | $4K | $27K | $31K | 3.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTCHCARE INSURANCE COMPANY | $22K | $0 | $22K | 2.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | UNITEDHEALTCHCARE INSURANCE COMPANY | $2K | $8K | $9K | 1.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN ROAD STE 310 MELVILLE, NY 11747 | UNITEDHEALTCHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.49% |
| EVANS PANCOAST3 Filed as: EVANS PANCCAST | 237 LANCASTER AVE #251 DEVON, PA 19333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $500 | $0 | $500 | 1.39% |
| EVANS PANCOAST3 | 237 LANCASTER AVENUE # 251 DEVON, PA 19333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INCC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $863 | $0 | $863 | 2.98% |
| EVANS PANCOAST3 | 237 LANCASTER AVENUE # 251 DEVON, PA 19333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $484 | $0 | $484 | 2.86% |
| EVANS PANCOAST3 | 237 LANCASTER AVE #251 DEVON, PA 19333 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $417 | $0 | $417 | 7.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $374 | $0 | $374 | 7.10% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTCHCARE INSURANCE COMPANY | 370 | $817K |
| Dental | UNITEDHEALTCHCARE INSURANCE COMPANY | 370 | $817K |
| Vision | UNITEDHEALTCHCARE INSURANCE COMPANY | 370 | $817K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $29K |
| Prescription drug | UNITEDHEALTCHCARE INSURANCE COMPANY | 370 | $817K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.