| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS (PA), INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $60K | $512 | $61K | 5.69% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS (PA), INC | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $4K | $12K | 14.20% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM BUILDING 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS (PA), INC | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $7K | 14.48% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM BUILDING 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $898 | — | $898 | 1.88% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $813 | $813 | 1.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS (PA), INC | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $7K | 19.59% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS (PA) INC. | 2600 KELLY ROAD WARRINGTON, PA 18976 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $3K | — | $3K | 9.08% |
| THE GRAHAM COMPANY3 | 30 S 15TH STREET PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $254 | — | $254 | 0.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS (PA), INC | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $5K | 17.33% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM BUILDING 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $584 | — | $584 | 2.25% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $256 | $256 | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS (PA), INC | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 49.82% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM BUILDING 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS (PA), INC | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 49.97% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM BUILDING 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS (PA), INC | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $284 | $114 | $398 | 17.56% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM BUILDING 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $56 | — | $56 | 2.47% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $32 | $32 | 1.41% |
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 | 468 | 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) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 521 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 521 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 462 | $30K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 458 | $74K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 456 | $37K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 619 | $88K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 521 | $1.1M |
| Other(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 521 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.