| 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 | $15K | $240K | $255K | 5.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | KAISER FOUNDATION HEALTH PLAN INC | $59K | $0 | $59K | 4.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $30K | $8K | $38K | 7.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 4.84% |
| EVANS PANCOAST3 | 237 W LANCASTER AVENUE, STE 251 DEVON, PA 19333 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.00% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.00% |
| FLEXIBLE BENEFITS PLANS INC3 | 1288 VALLEY FORGE RD BLDG 57 VALLEY FORGE, PA 19482 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 5.18% |
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 | 699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,017 | $6.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,017 | $4.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,017 | $4.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 673 | $488K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 673 | $488K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 673 | $488K |
| Prescription drug(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,017 | $6.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 673 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,017 | — |
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.