| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA, INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $103K | $111K | 3.24% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | UNKNOWN VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE COMMERCE SQUARE 2005 MARKET STREET, SUITE 820 PHILADELPHIA, PA 19103 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $23K | $24K | 0.70% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA, INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 5.87% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON | 3850 EAST BASELINE ROAD, SUITE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.04% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 866 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 866 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 866 | $3.4M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 497 | $239K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 497 | $239K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 497 | $239K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 866 | $3.4M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 497 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 866 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.