| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MITCHELL HENRY BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19703 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | 10.00% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS INC | 117 FOREST AVE STE 203 NARBERTH, PA 19072 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 6.00% |
| ROBERT B. WINKELMAN III3 Filed as: ROBERT B WINKELMAN III | 1294 MONTGOMERY AVE NARBERTH, PA 19072 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 4.00% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS INC | 117 FOREST AVE STE 2014 NARBERTH, PA 19072 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 9.28% |
| ROBERT B. WINKELMAN III3 Filed as: ROBERT B WINKELMAN III | 117 FOREST AVE STE 203 NARBERTH, PA 19072 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 6.18% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS INC | 117 FOREST AVE STE 2014 NARBERTH, PA 19072 | MADISON NATIONAL LIFE | $7K | — | $7K | 10.80% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | MADISON NATIONAL LIFE | $4K | — | $4K | 5.50% |
| MICHAEL J SWEENEY3 | 413 PARTRIDGEBERRY LANE CHESTER SPRINGS, PA 19425 | ARAG INSURANCE COMPANY | $361 | — | $361 | 9.60% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS INC | 117 FOREST AVE STE 214 NARBERTH, PA 19072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | — |
| ROBERT B. WINKELMAN III3 Filed as: ROBERT B WINKELMAN III | 1294 MONTGOMERY AVE NARBERTH, PA 19072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANY | Contract Administrator Service code 13 | 850 NORTH PARK RD WYOMISSING, PA 19610 | $214K |
| NAVIGATION BENEFITS LLC EIN 26-4121129 | Contract Administrator Service code 13 | 64 EAST UWCHLAN AVE EXTON, PA 19341 | $147K |
| MGU UNDERWRITING FEE | Contract Administrator Service code 13 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | $120K |
| ROBERT WINKLEMAN III | Contract Administrator Service code 13 | 117 FOREST AVE STE 203 NARBERTH, PA 19072 | $98K |
| FIRST HEALTH GROUP CORP | Contract Administrator Service code 13 | — | $85K |
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 | 1,658 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MADISON NATIONAL LIFE | 1,658 | $67K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 3,146 | $194K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 479 | $98K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 3,146 | $96K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 420 | $0 |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 1,658 | $342K |
| Other | ARAG INSURANCE COMPANY | 42 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,146 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.