| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BESVINICK, MITCHELL, HENRY3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 10.00% |
| 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 PHILADELPHA, PA 19126 | AMERITAS LIFE INSURANCE CORPORATION | $605 | $0 | $605 | 3.00% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS, LLC | 117 FORREST AVENUE, SUITE 214 NARBERTH, PA 19072 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 67.35% |
| REGINA BELL3 | 6516 NORTH GRATZ STREET PHILADELPHA, PA 19126 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 16.84% |
| NAVIGATION BENEFITS LLC3 Filed as: NAVIGATION BENEFITS, LLC | 117 FORREST AVENUE, SUITE 214 NARBERTH, PA 19072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $452 | $0 | $452 | 6.99% |
| REGINA BELL3 | 6516 NORTH GRATZ STREET PHILADELPHA, PA 19126 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $194 | $0 | $194 | 3.00% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 81 | $20K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 81 | $20K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 237 | $16K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.