| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY RD WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS | $115K | $0 | $115K | 4.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | DELTA DENTAL OF PENNSYLVANIA | $6K | $0 | $6K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | STANDARD INSURANCE COMPANY | $779 | $0 | $779 | 2.52% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | STANDARD INSURANCE COMPANY | $692 | $0 | $692 | 2.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2660 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $852 | $0 | $852 | 5.00% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 296 | $2.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 279 | $147K |
| Vision | VISION BENEFITS OF AMERICA | 140 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 37 | $31K |
| Long-term disability | STANDARD INSURANCE COMPANY | 37 | $31K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 296 | $2.8M |
| Other | STANDARD INSURANCE COMPANY | 37 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.