| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $183K | $16K | $200K | 10.17% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $7K | $0 | $7K | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS (PA) | 2600 KELLY RD STE 300 WARRINGTON, PA 189763652 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | $0 | $1K | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $66 | $66 | 0.14% |
| SANKATY LIGHT BENEFITS INC3 | 13645 DEERING BAY DR #123 CORAL GABLES, FL 33158 | US FIRE INS CO | $0 | $8K | $8K | 27.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $101 | $0 | $101 | 2.28% |
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 | 5,396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 163 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 161 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 109 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 58 | $48K |
| Vision(2 contracts) | EYEMED VISION CARE | 7,126 | $538K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,163 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,163 | $2.0M |
| Prescription drug(4 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 109 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,163 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,126 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.