| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD., SUITE 300 WARRINGTON, PA 18976 | KEYSTONE HEALTH PLAN EAST | — | $233K | $233K | 5.24% |
| SEE ATTACHMENT3 | — | AFLAC | $18K | — | $18K | 14.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | VISION SERVICE PLAN | $2K | — | $2K | 3.95% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL ACETI | 4821 DRAKESTONE CT. CHARLOTTE, NC 28226 | LFESECURE INSURANCE COMPANY | $533 | — | $533 | 9.00% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 100 FIELD DR. LAKE FOREST, IL 60045 | LFESECURE INSURANCE COMPANY | $296 | — | $296 | 5.00% |
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 | 485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 726 | $5.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 933 | $341K |
| Vision | VISION SERVICE PLAN | 443 | $38K |
| Life insurance | AETNA | 485 | $247K |
| Long-term disability | AETNA | 485 | $247K |
| Stop-loss / reinsurancereinsurance | AFLAC | 153 | $127K |
| Other(2 contracts, 2 carriers) | AETNA | 485 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.