| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $162K | $0 | $162K | 3.07% |
| EVANS PANCOAST3 | 237 W LANCASTER AVENUE #251 DEVON, PA 19333 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $100K | $107K | 2.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $0 | $24K | 2.93% |
| EVANS PANCOAST3 | 423 HEATHERWOOD LANE DEVON, PA 19333 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $19K | $504 | $20K | 4.05% |
| EVANS PANCOAST3 | 237 W LANCASTER AVENUE, STE 251 DEVON, PA 19333 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $16K | $0 | $16K | 8.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.71% |
| FLEXIBLE BENEFITS PLANS INC3 | 1288 VALLEY FORGE RD BLDG 57 VALLEY FORGE, PA 19482 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.00% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC - PATSEL | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $499 | $12K | 10.45% |
| EVANS PANCOAST3 | 237 LANCASTER AVE STE 251 DEVON, PA 19333 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $167 | $0 | $167 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 2.77% |
| EVANS PANCOAST3 | 423 HEATHERWOOD LANE DEVON, PA 19333 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 2.75% |
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 | 897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,228 | $6.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,228 | $5.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,228 | $5.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 897 | $489K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 897 | $489K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 897 | $489K |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,228 | $6.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 897 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,228 | — |
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.