| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS, LLC | 117 FORREST AVENUE, SUITE 214 NARBERTH, PA 19072 | AMERITAS LIFE INSURANCE CORP. | $11K | $0 | $11K | 10.00% |
| INNOBENEFITS LLC3 Filed as: INNOBENEFITS, LLC | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | AMERITAS LIFE INSURANCE CORP. | $11K | $0 | $11K | 10.00% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS, LLC | 117 FORREST AVENUE SUITE 214 NARBERTH, PA 19072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 27.44% |
| L A ANDERSON & ASSOCIATES, INC.3 | 16 CAMPUS BOULEVARD, SUITE 125 NEWTOWN SQUARE, PA 19073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.91% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS, LLC | 117 FORREST AVENUE, SUITE 214 NARBERTH, PA 19072 | MANHATTANLIFE | $7K | — | $7K | 18.27% |
| L A ANDERSON & ASSOCIATES, INC.3 Filed as: LA ANDERSON & ASSOCIATES, INC. | 3650 WINDING WAY NEWTOWN SQUARE, PA 19073 | MANHATTANLIFE | $6K | — | $6K | 17.65% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 462 | $105K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 462 | $105K |
| Life insurance | MANHATTANLIFE | 129 | $36K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 129 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.