| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS3 | 602 OFFICE CENTER DRIVE, SUITE 350 FORT WASHINGTON, PA 19034 | INDEPENDENCE ADMINISTRATORS | $138K | — | $138K | 21.77% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES LLC | 21 E. 5TH AVE STE 205 CONSHOHOCKEN, PA 19428 | GUARDIAN | $6K | — | $6K | 2.95% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES LLC | 21 E. 5TH AVE STE 205 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $681 | — | $681 | 0.90% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES LLC | 21 E. 5TH AVE STE 205 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $475 | — | $475 | 0.82% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES LLC | 21 E. 5TH AVE STE 205 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.66% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $595 | — | $595 | 1.09% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES LLC | 21 E. 5TH AVE STE 205 CONSHOHOCKEN, PA 19428 | EYEMED - FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES LLC | 21 E. 5TH AVE STE 205 CONSHOHOCKEN, PA 19428 | EYEMED - FIDELITY SECURITY LIFE INSURANCE COMPANY | $198 | — | $198 | 0.73% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES LLC | 21 E. 5TH AVE STE 205 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86 | — | $86 | 0.67% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 332 | $634K |
| Dental | GUARDIAN | 328 | $209K |
| Vision | EYEMED - FIDELITY SECURITY LIFE INSURANCE COMPANY | 533 | $27K |
| Other(5 contracts, 2 carriers) | GUARDIAN | 513 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.