| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $53K | $3K | $57K | 9.55% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $37K | — | $37K | 6.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD., SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD., SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD., SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $430 | — | $430 | 9.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD., SUITE 300 WARRINGTON, PA 18938 | COUNTRYWIDE ENTERPRISES INC. | $314 | — | $314 | 10.01% |
| JON R SCHWARTZ3 Filed as: JON SCHWARTZ | 93 OLD YORK RD., SUITE 1-470 JENKINTOWN, PA 19046 | AMERICAN HERITAGE LIFE INSURACE COMPANY (ALLSTATE) | $297 | — | $297 | 13.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD., SUITE 300 WARRINGTON, PA 18976 | AMERICAN HERITAGE LIFE INSURACE COMPANY (ALLSTATE) | $223 | — | $223 | 9.80% |
| BENEFIT ADVISORY PARTNERS LLC3 | 8214 FAIRVIEW RD. ELKINS PARK, PA 19027 | AMERICAN HERITAGE LIFE INSURACE COMPANY (ALLSTATE) | $44 | — | $44 | 1.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TEXAS HWY. B2, SUITE 600 AUSTIN, TX 78746 | AMERICAN HERITAGE LIFE INSURACE COMPANY (ALLSTATE) | $16 | — | $16 | 0.70% |
| LISA MARIE OTERO3 | 23230 ISLAND VIEW #F BOCA RATON, FL 33433 | AMERICAN HERITAGE LIFE INSURACE COMPANY (ALLSTATE) | $14 | — | $14 | 0.62% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 364 | $594K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 364 | $594K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 364 | $594K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 363 | $57K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 82 | $100K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 358 | $34K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 364 | $594K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 364 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.