| 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 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 800 WESTCHESTER AVENUE SUITE N311 RYE BROOK, NY 10573 | AETNA LIFE INSURANCE CO. | $981 | — | $981 | 0.07% |
| CHARON PLANNING CORPORATION3 Filed as: CHARON PLANNING CORP | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | AETNA LIFE INSURANCE CO. | $648 | — | $648 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS (PA) INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 3.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $241 | — | $241 | 3.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | VISION BENEFITS OF AMERICA | $131 | — | $131 | 1.76% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 229 | $1.3M |
| Dental | UNION SECURITY INSURANCE COMPANY | 131 | $57K |
| Vision | VISION BENEFITS OF AMERICA | 93 | $7K |
| Life insurance | AETNA LIFE INSURANCE CO. | 229 | $1.3M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 229 | $1.3M |
| Other | AETNA LIFE INSURANCE CO. | 229 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.