| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC. | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | DELTA DENTAL OF PENNSYLVANIA | $7K | $0 | $7K | 11.38% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON | — | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 3.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 14.90% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18940 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 14.67% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTON, PA 18940 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18940 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 14.90% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | STANDARD INSURANCE COMPANY | $689 | $0 | $689 | 2.58% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $488 | $406 | $894 | 4.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AFLAC | $288 | $0 | $288 | 1.43% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RD FURLONG, PA 18925 | AFLAC | $283 | $0 | $283 | 1.40% |
| STEVEN WARD3 | 2905 JOLLY RD PLYMOUTH MEETING, PA 19462 | AFLAC | $249 | $32 | $281 | 1.39% |
| THOMAS B DAVIS3 | 835 ROSEHILL DR KING OF PRUSSIA, PA 19406 | AFLAC | $213 | $0 | $213 | 1.06% |
| BONNIE H DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $189 | $5 | $194 | 0.96% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $150 | $0 | $150 | 0.74% |
| JAYDE F HARFORD3 | 940 BUFFINGTON RD NEW SALEM, PA 15468 | AFLAC | $106 | $0 | $106 | 0.53% |
| NICHOLAS C BENNIS3 | 510 FILBERT RD ORELAND, PA 19075 | AFLAC | $101 | $0 | $101 | 0.50% |
| NANCY AMICON3 | 301 DEERHAVEN WAY GLENMOORE, PA 19343 | AFLAC | $61 | $0 | $61 | 0.30% |
| JENNIFER M HAIR3 | 2915 SIDNEY ST SPT 210 PITTSBURGH, PA 15203 | AFLAC | $32 | $0 | $32 | 0.16% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTWON, PA 19083 | AFLAC | $30 | $0 | $30 | 0.15% |
| SUSAN HALL TALL3 | 222 SUGARTOWN RD DEVON, PA 19333 | AFLAC | $20 | $0 | $20 | 0.10% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW RD UNIONTOWN, PA 15401 | AFLAC | $14 | $0 | $14 | 0.07% |
| FELICIA BAKER3 | 2819 N PARHAM RD STE 240 RICHMOND, VA 15401 | AFLAC | $7 | $0 | $7 | 0.03% |
| RYAN BENEFITS INC3 Filed as: RYAN TAVARES | 10 WILLOW ST DERRY, NH 03038 | AFLAC | $4 | $0 | $4 | 0.02% |
| WENDY E HOOK3 Filed as: WENDY E HIGGINS | 1405 LAKSPUR LN MALVERN, PA 19355 | AFLAC | $4 | $0 | $4 | 0.02% |
| STEPHANIE RAMSEY ROTH3 | 4406 MOREHOUSE TER CHESTERFIELD, VA 23832 | AFLAC | $3 | $0 | $3 | 0.01% |
| GENIA ANNE TENCH3 | 10337 NEW BRITTON RD MECHNICSVILLE, VA 23116 | AFLAC | $3 | $0 | $3 | 0.01% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $1 | $0 | $1 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 12.58% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | AMERITAS LIFE INSURANCE CORP | $294 | $0 | $294 | 2.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | AMERITAS LIFE INSURANCE CORP | $0 | $265 | $265 | 2.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | STANDARD INSURANCE COMPANY | $2K | $401 | $2K | 84.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CORPORATE SERVICES, INC. EIN 13-4096969 BROKER | Insurance agents and brokers Service code 22 | — | $40K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $27K |
| CONNECTCARE3 EIN 23-1315351 PT ADVOCATE | Other services Service code 49 | — | $9K |
| HIGHMARK BLUE SHIELD (SEPA) ADMIN | Claims processing Service code 12 | 120 FIFTH AVE PITTSBURGH, PA 15222 | $179 |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | -$17K |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 180 | $59K |
| Vision | AMERITAS LIFE INSURANCE CORP | 246 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 166 | $44K |
| Short-term disability | STANDARD INSURANCE COMPANY | 166 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 166 | $27K |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH | 124 | $346K |
| Other | AFLAC | 17 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.