| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS FRANCIS CASTELLANO3 Filed as: NICHOLAS FRANCES CASTELLANO | 116 PERCHERON DR SPRING CITY, PA 19475 | AETNA LIFE INSURANCE CO. | $5K | $0 | $5K | 3.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 1.42% |
| NAVIGATION BENEFITS LLC3 | 117 FORREST AVE STE 214 NARBETH, PA 19072 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.87% |
| CASTELLANO, NICHOLAS3 | 116 PERCHERON DR SPRING CITY, PA 19475 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $822 | $0 | $822 | 2.65% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP | 450 S GRAVERS RD 200 PLYMOUTH MEETING, PA 19462 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $389 | $0 | $389 | 3.77% |
| NAVIGATION BENEFITS LLC3 | 117 FORREST AVE STE 214 NARBETH, PA 19072 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $178 | $0 | $178 | 7.98% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 700 KINDERKAMACK RD ST ORADELL, NJ 07649 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $558 | $0 | $558 | 78.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 ADMIN | Contract Administrator Service code 13 | — | $122K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $41K |
| GENESIS ASSET PROTECTION BROKER | Insurance agents and brokers Service code 22 | 115 W COURT STREET DOYLESTOWN, PA 18901 | $22K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $11K |
| ALLIANT INSURANCE SERVICES HOUSTON BROKER | Insurance agents and brokers Service code 22 | 544 WESTHEIMER SUITE 900 HOUSTON, TX 77056 | $0 |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 400 | $117K |
| Life insurance(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 400 | $159K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 192 | $435K |
| Other(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 400 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.