| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY DRIVE WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS | $100K | $6K | $106K | 5.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 8.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | UNITED CONCORDIA INSURANCE COMPANY | $12K | $914 | $13K | 11.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD WARRINGTON, PA 18976 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | $3K | $0 | $3K | 9.90% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 361 | $2.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 386 | $113K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | 377 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $139K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $139K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $139K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 361 | $2.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.