| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BESVINICK, MITCHELL, HENRY3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $363 | $2K | 12.13% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS, LLC | 117 FORREST AVENUE, SUITE 214 NARBERTH, PA 19072 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 7.00% |
| REGINA BELL3 | 6516 NORTH GRATZ STREET PHILADELPHIA, PA 19126 | AMERITAS LIFE INSURANCE CORPORATION | $512 | $0 | $512 | 3.00% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS, LLC | 117 FORREST AVENUE, SUITE 214 NARBERTH, PA 19072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $523 | $0 | $523 | 7.83% |
| REGINA BELL3 | 6516 NORTH GRATZ STREET PHILADELPHIA, PA 19126 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $145 | $0 | $145 | 2.17% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 77 | $17K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 77 | $17K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $7K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.