| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP INC. | 1550 LIBERTY RIDGE DR, #250 WAYNE, PA 19087 | HIGHMARK BLUE SHIELD (MEDICAL & SURGICAL/CLARITY VISION) | $63K | — | $63K | 4.18% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.83% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP INC. | 1550 LIBERTY RIDGE DRIVE, SUITE 250 CHESTERBROOK, PA 19087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.46% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES BARRE, PA 18702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.85% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP INC. | 1550 LIBERTY RIDGE DR, #250 WAYNE, PA 19087 | EYEMED | $2K | — | $2K | 12.07% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES BARRE, PA 18702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.71% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES BARRE, PA 18702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $796 | — | $796 | 8.01% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD (MEDICAL & SURGICAL/CLARITY VISION) | 298 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $106K |
| Vision | EYEMED | 202 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $108K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 38 | $10K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $97K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.