| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL PENN INSURANCE SERVICES3 | 74 W BROAD ST STE 370 BETHLEHEM, PA 18018 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $108K | $0 | $108K | 0.69% |
| NATIONAL PENN INSURANCE SERVICES3 | 74 W BROAD ST STE 370 BETHLEHEM, PA 18018 | UNION SECURITY INSURANCE COMPANY | $25K | $0 | $25K | 5.00% |
| NATIONAL PENN INSURANCE SERVICES3 | 74 W BROAD ST STE 370 BETHLEHEM, PA 18018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $0 | $47K | 9.36% |
| NATIONAL PENN INSURANCE SERVICES3 | 74 W BROAD ST STE 370 BETHLEHEM, PA 18018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 4.99% |
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 | 1,654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,499 | $15.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 913 | $507K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,499 | $15.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,150 | $500K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,150 | $500K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,557 | $253K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,499 | $15.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,150 | $527K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,150 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.