| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID CAGLIOLA3 | 1550 LIBERTY RIDGE DR. SUITE 250 WAYNE, PA 190875574 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $4K | — | $4K | 3.04% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $973 | $9K | 11.17% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.58% |
| EMERSON REID LLC3 | 261 MADISON AVENUE STE 602 NEW YORK, NY 10016 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| EMERSON REID LLC3 | 261 MADISON AVENUE STE 602 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $4K | $2K | $5K | 9.53% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 3.65% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $837 | — | $837 | 10.00% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE | 491 | $143K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 491 | $143K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 405 | $57K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $83K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $83K |
| Other | HARTFORD LIFE AND ACCIDENT | 283 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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."
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.