| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18940 | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 19.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 19.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18940 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 19.46% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $496 | $0 | $496 | 2.01% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RD FURLONG, PA 18925 | AFLAC | $361 | $0 | $361 | 1.46% |
| THOMAS B DAVIS3 | 835 ROSEHILL DR KING OF PRUSSIA, PA 19406 | AFLAC | $268 | $0 | $268 | 1.09% |
| BONNIE H DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $173 | $0 | $173 | 0.70% |
| NICHOLAS C BENNIS3 | 510 FILBERT RD ORELAND, PA 19075 | AFLAC | $146 | $0 | $146 | 0.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AFLAC | $127 | $0 | $127 | 0.51% |
| STEVEN WARD3 | 2905 JOLLY RD PLYMOUTH MEETING, PA 19462 | AFLAC | $112 | $0 | $112 | 0.45% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $108 | $0 | $108 | 0.44% |
| JAYDE F HARFORD3 | 940 BUFFINGTON RD NEW SALEM, PA 15468 | AFLAC | $106 | $0 | $106 | 0.43% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $83 | $0 | $83 | 0.34% |
| NANCY AMICON3 | 301 DEERHAVEN WAY GLENMOORE, PA 19343 | AFLAC | $76 | $0 | $76 | 0.31% |
| RYAN BENEFITS INC3 Filed as: RYAN TAVARES | 10 WILLOW ST DERRY, NH 03038 | AFLAC | $64 | $0 | $64 | 0.26% |
| WENDY E HOOK3 Filed as: WENDY E HIGGINS | 1405 LAKSPUR LN MALVERN, PA 19355 | AFLAC | $33 | $0 | $33 | 0.13% |
| JENNIFER M HAIR3 | 2915 SIDNEY ST SPT 210 PITTSBURGH, PA 15203 | AFLAC | $32 | $0 | $32 | 0.13% |
| SUSAN HALL TALL3 | 222 SUGARTOWN RD DEVON, PA 19333 | AFLAC | $31 | $0 | $31 | 0.13% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTWON, PA 19083 | AFLAC | $30 | $0 | $30 | 0.12% |
| FELICIA BAKER3 | 2819 N PARHAM RD STE 240 RICHMOND, VA 15401 | AFLAC | $19 | $0 | $19 | 0.08% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW RD UNIONTOWN, PA 15401 | AFLAC | $14 | $0 | $14 | 0.06% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $11 | $0 | $11 | 0.04% |
| PETER ROUGHTON JR3 | 1015 MANAKIN RD MANAKIN SABOT, VA 23832 | AFLAC | $7 | $0 | $7 | 0.03% |
| STEPHANIE RAMSEY ROTH3 | 4406 MOREHOUSE TER CHESTERFIELD, VA 23832 | AFLAC | $7 | $0 | $7 | 0.03% |
| GENIA ANNE TENCH3 | 10337 NEW BRITTON RD MECHNICSVILLE, VA 23116 | AFLAC | $6 | $0 | $6 | 0.02% |
| 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 | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC. | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | DELTA DENTAL OF PENNSYLVANIA | $9K | $0 | $9K | 100.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC. | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | DELTA DENTAL OF PENNSYLVANIA | $559 | $0 | $559 | 14.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CORPORATE SERVICES, INC. EIN 13-4096969 BROKER | Insurance agents and brokers Service code 22 | — | $42K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $27K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $18K |
| CONNECTCARE3 EIN 23-1315351 PT ADVOCATE | Other services Service code 49 | — | $9K |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 105 | $12K |
| Vision | AMERITAS LIFE INSURANCE CORP | 248 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 169 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 169 | $40K |
| Long-term disability | STANDARD INSURANCE COMPANY | 169 | $26K |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH | 134 | $308K |
| Other | AFLAC | 23 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.