| 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 | $140K | $0 | $140K | 2.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY DRIVE WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $55K | $0 | $55K | 2.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $0 | $12K | $12K | 2.48% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | — | AFLAC | $25K | $918 | $26K | 15.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 34.16% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 7.00% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE RD NE SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $3K | $3K | 5.23% |
| 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 | 3.72% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL ACETI | 4821 DRAKESTONE COURT CHARLOTTE, NC 28226 | LIFESECURE INSURANCE COMPANY | $447 | $0 | $447 | 6.74% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $254 | $0 | $254 | 3.83% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 762 | $7.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 569 | $425K |
| Vision | VISION SERVICE PLAN | 559 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 590 | $488K |
| Short-term disability | AFLAC | 148 | $168K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 590 | $488K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 590 | $548K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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.