| 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 | $162K | $0 | $162K | 3.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY DRIVE WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $46K | $0 | $46K | 3.44% |
| MJ INSURANCE3 Filed as: VARIOUS BROKERS | SEE ATTACHMENT COLUMBUS, GA 31999 | AFLAC | $20K | $0 | $20K | 14.15% |
| 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 | 3.89% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL ACETI | 4821 DRAKESTONE COURT CHARLOTTE, NC 28226 | LIFESECURE INSURANCE COMPANY | $361 | $0 | $361 | 8.20% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 2189 N ILLINOIS ROUTE 83 ROUND LAKE BEACH, IL 60073 | LIFESECURE INSURANCE COMPANY | $201 | $0 | $201 | 4.57% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 775 | $6.2M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,013 | $349K |
| Vision | VISION SERVICE PLAN | 523 | $51K |
| Life insurance | THE HARTFORD | 541 | $335K |
| Short-term disability | AFLAC | 162 | $141K |
| Long-term disability | THE HARTFORD | 541 | $335K |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 541 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,013 | — |
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.