| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $81K | $0 | $81K | 4.42% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | GUARDIAN | $5K | $0 | $5K | 3.46% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | GUARDIAN | $9K | $0 | $9K | 11.24% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PKWY WEST, SUITE 311 BLUE BELL, PA 19422 | GUARDIAN | $17 | $0 | $17 | 0.02% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED VISION CARE | $1K | $0 | $1K | 8.27% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BOULEVARD SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $3K | $0 | $3K | 45.49% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING AND ASSOCIATES | 220 NORTH GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $2K | $0 | $2K | 37.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY ROAD WARRINGTON, PA 18976 | LIFESECURE INSURANCE COMPANY | $1K | $0 | $1K | 20.99% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL ACETI | 1821 DRAKESTONE COURT CHARLOTTE, NC 28226 | LIFESECURE INSURANCE COMPANY | $882 | $0 | $882 | 14.00% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 395 | $1.8M |
| Dental | GUARDIAN | 189 | $141K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 333 | $90K |
| Life insurance(2 contracts) | GUARDIAN | 210 | $217K |
| Short-term disability(2 contracts) | GUARDIAN | 210 | $217K |
| Long-term disability(2 contracts) | GUARDIAN | 210 | $217K |
| Prescription drug | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 395 | $1.8M |
| Other(3 contracts, 2 carriers) | GUARDIAN | 210 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.