| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARON PLANNING CORPORATION3 Filed as: CHARON PLANNING CORPORATION* | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | EMBLEM HEALTH | $8K | — | $8K | 0.11% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 189763652 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44K | $44K | 1.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY. BLDG 2, SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | -$9K | — | -$9K | -0.36% |
| SEE ATTACHMENT3 | — | AFLAC | $96K | $1K | $97K | 18.11% |
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 | 2,203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 1,227 | $6.7M |
| Dental | DELTA DENTAL OF NEW YORK | 5,008 | $2.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,658 | $2.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,658 | $2.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,658 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,008 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.