| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MITCHELL HENRY BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | AMERITAS LIFE INSURANCE | $14K | $948 | $14K | 10.70% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS INC | 117 FORREST AVE STE 214 NARBERTH, PA 19072 | AMERITAS LIFE INSURANCE | $8K | — | $8K | 6.00% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS INC | 117 FORREST AVE STE 214 NARBERTH, PA 19072 | UNION SECURITY INSURANCE COMPANY | $13K | — | $13K | 10.24% |
| ROBERT B. WINKELMAN III3 | 117 FORREST AVE STE 203 NARBERTH, PA 19072 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 6.82% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS INC | 117 FORREST AVE STE 214 NARBERTH, PA 19072 | MADISON NATIONAL LIFE | $11K | — | $11K | 10.80% |
| ROBERT B. WINKELMAN III3 | 1294 MONTGOMERY AVE NARBERTH, PA 19072 | MADISON NATIONAL LIFE | $7K | — | $7K | 7.20% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | MADISON NATIONAL LIFE | $6K | — | $6K | 5.50% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS INC | 117 FORREST AVE STE 214 NARBERTH, PA 19072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 22.06% |
| ROBERT B. WINKELMAN III3 | 1294 MONTGOMERY AVE NARBERTH, PA 19072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 14.72% |
| MICHAEL J SWEENEY3 | 413 PARTRIDGEBERRY LANE CHESTER SPRINGS, PA 19425 | ARAG INSURANCE COMPANY | $996 | — | $996 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANY | Contract Administrator Service code 13 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | $278K |
| NAVIGATION BENEFITS LLC EIN 26-4121129 | Contract Administrator Service code 13 | 64 EAST UWCHLAN AVE EXTON, PA 19341 | $189K |
| AMERITAS EIN 47-0098400 | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 685011889 | $169K |
| MGU UNDERWRITING FEE | Contract Administrator Service code 13 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | $145K |
| FIRST HEALTH GROUP CORP | Contract Administrator Service code 13 | — | $128K |
| ROBERT WINKELMAN III | Contract Administrator Service code 13 | 117 FORREST AVE STE 203 NARBERTH, PA 19072 | $116K |
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 | 2,064 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MADISON NATIONAL LIFE | 147 | $103K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE | 2,480 | $263K |
| Vision | AMERITAS LIFE INSURANCE | 756 | $135K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 2,480 | $127K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 420 | $41K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 2,064 | $403K |
| Other | ARAG INSURANCE COMPANY | 88 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,480 | — |
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.