| 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 -KEYSTONE | $60K | — | $60K | 2.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | SUITE 303 COLLEGEVILLE, PA 19426 | INDEPENDENCE BLUE CROSS -KEYSTONE | $38K | $9K | $47K | 2.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS - PPO | $6K | — | $6K | 2.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | SUITE 303 COLLEGEVILLE, PA 19426 | INDEPENDENCE BLUE CROSS - PPO | $4K | $2K | $6K | 2.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 3.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | EMPIRE STATE BUILDING 350 5TH AVE., SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 2.03% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO, INC. | EMPIRE STATE BUILDING 350 5TH AVE., SUITE 3700 NEW YORK, NY 10118 | THE STANDARD | $3K | — | $3K | 6.65% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | P.O. BOX 391 LANDSDALE, PA 19446 | THE STANDARD | $3K | — | $3K | 6.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE STANDARD | $571 | — | $571 | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $817 | — | $817 | 3.79% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | EMPIRE STATE BUILDING 350 5TH AVE., SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $413 | — | $413 | 1.92% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT RD. BERWYN, PA 19312 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $167 | — | $167 | 0.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $429 | $4K | 17.00% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS -KEYSTONE | 268 | $2.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 180 | $101K |
| Vision | INDEPENDENCE BLUE CROSS - PPO | 30 | $222K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD | 231 | $69K |
| Short-term disability(2 contracts, 2 carriers) | THE STANDARD | 231 | $69K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS -KEYSTONE | 268 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.