| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18940 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 16.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHLEHEM, PA 18017 | STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 16.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHLEHEM, PA 18017 | STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LIFE BENEFIT SOLUTIONS | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $520 | $0 | $520 | 1.79% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RD FURLONG, PA 18925 | AFLAC | $442 | $0 | $442 | 1.52% |
| THOMAS B DAVIS3 | 835 ROSEHILL DR KING OF PRUSSIA, PA 19406 | AFLAC | $344 | $0 | $344 | 1.19% |
| WENDY E HOOK3 Filed as: WENDY E HIGGINS | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $306 | $0 | $306 | 1.05% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $292 | $0 | $292 | 1.01% |
| BONNIE DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $188 | $0 | $188 | 0.65% |
| NICHOLAS C BENNIS3 | 510 FILBERT RD ORELAND, PA 19075 | AFLAC | $146 | $0 | $146 | 0.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES, INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AFLAC | $137 | $0 | $137 | 0.47% |
| JAYDE F HARFORD3 | 940 BUFFINGTON RD NEW SALEM, PA 15468 | AFLAC | $106 | $0 | $106 | 0.37% |
| NANCY AMICON3 | DEERHAVEN WAY GLENMOORE, PA 19343 | AFLAC | $86 | $0 | $86 | 0.30% |
| RYAN BENEFITS INC3 Filed as: RYAN TAVARES | 10 WILLOW ST DERRY, NH 03038 | AFLAC | $70 | $0 | $70 | 0.24% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTOWN, PA 19083 | AFLAC | $37 | $0 | $37 | 0.13% |
| SUSAN HALL TALL3 | 222 SUGARTOWN RD DEVON, PA 19333 | AFLAC | $36 | $0 | $36 | 0.12% |
| JENNIFER M HAIR3 | 29 OAKVILLE CT APT 2B PITTSBURGH, PA 15220 | AFLAC | $31 | $0 | $31 | 0.11% |
| FELICIA BAKER3 | 2819 N PARHAM RD STE 240 RICHMOND, VA 23294 | AFLAC | $28 | $0 | $28 | 0.10% |
| PETER R ROUGHTON JR3 | 1015 MANAKIN RD MANAKIN SABOT, VA 23103 | AFLAC | $19 | $0 | $19 | 0.07% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW RD UNIONTOWN, PA 15401 | AFLAC | $14 | $0 | $14 | 0.05% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $12 | $0 | $12 | 0.04% |
| STEPHANIE RAMSEY ROTH3 | 4406 MOREHOUSE TER CHESTERFIELD, VA 23832 | AFLAC | $10 | $0 | $10 | 0.03% |
| GENIA ANNE TENCH3 | 542 KING WILLIAM RD HANOVER, VA 23069 | AFLAC | $9 | $0 | $9 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18940 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 16.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHLEHEM, PA 18017 | STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CORPORATE SERVICES, INC. EIN 13-4096969 BROKER | Insurance agents and brokers Service code 22 | — | $46K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $29K |
| MERITAIN EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $11K |
| CONNECTCARE3 EIN 23-1315351 PT ADVOCATE | Other services Service code 49 | — | $8K |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $73K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $73K |
| Life insurance | STANDARD INSURANCE COMPANY | 184 | $48K |
| Short-term disability | STANDARD INSURANCE COMPANY | 184 | $43K |
| Long-term disability | STANDARD INSURANCE COMPANY | 184 | $28K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUMHEALTH | 148 | $277K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 184 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.