| 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 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $52K | $0 | $52K | 5.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS - KEYSTONE | $22K | $0 | $22K | 3.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | DELTA DENTAL OF PENNSYLVANIA | $5K | $0 | $5K | 5.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $512 | $2K | 6.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES IINC | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $117 | $117 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 SUITE 500 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $700 | $0 | $700 | 3.27% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $438 | $0 | $438 | 2.04% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | $0 | $120 | 0.56% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D DISPASQUALE | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 0.44% |
| MICHAEL E RISKA3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
| JASON A BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $288 | $1K | 6.42% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $68 | $68 | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $735 | $0 | $735 | 5.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $644 | $219 | $863 | 6.70% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $53 | $53 | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY DRIVE SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $356 | $107 | $463 | 6.51% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $25 | $25 | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $88 | $29 | $117 | 6.69% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.40% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 59 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 149 | $1.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 318 | $97K |
| Vision | VISION BENEFITS OF AMERICA | 169 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $20K |
| Prescription drug | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 149 | $871K |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 249 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.