| 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 - KEYSTONE | $0 | $222K | $222K | 4.77% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | SEE ATTACHMENT COLUMBUS, GA 31999 | AFLAC | $30K | $716 | $31K | 19.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.54% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL ACETI | 4821 DRAKESTONE COURT CHARLOTTE, NC 28226 | LIFESECURE INSURANCE COMPANY | $32 | $0 | $32 | 7.10% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 2189 N ILLINOS ROUTE 83 ROUND LAKE BEACH, IL 60073 | LIFESECURE INSURANCE COMPANY | $17 | $0 | $17 | 3.77% |
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 | 531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 816 | $6.0M |
| Dental | DELTA DENTAL | 1,055 | $361K |
| Vision | VISION SERVICE PLAN | 530 | $50K |
| Life insurance | THE HARTFORD | 525 | $268K |
| Short-term disability | AFLAC | 160 | $160K |
| Long-term disability | THE HARTFORD | 525 | $268K |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 525 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,055 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.