| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTI GROUP LLC3 | PO BOX 579 GLENSIDE, PA 19038 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $32K | $35K | 3.74% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 0.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY DRIVE SUITE 300 WARRINGTON, PA 18976 | UNITEDHEALTHCARE INSURANCE COMPANY | $771 | $6K | $7K | 0.76% |
| CHRISTI GROUP LLC3 | PO BOX 579 GLENSIDE, PA 19038 | UNITED HEALTHCARE INSURANCE COMPANY | $946 | $0 | $946 | 3.60% |
| DIVERSIFIED HUMAN SOLUTIONS INC3 | 1500 WALNUT STREET PHILADELPHIA, PA 19102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $0 | $287 | 3.97% |
| PETRINA SKILES3 | 1547 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $0 | $202 | 2.79% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 2.16% |
| LAWRENCE PRICHARD3 | 26 MADONNA LANE FLEMINGSBURG, KY 41041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 1.22% |
| MELINDA DIANE SWARTLEY3 | 202 PACER LANE COLLEGEVILLE, PA 19426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.39% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $931K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $931K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $931K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $34K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $26K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $931K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 157 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.