| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | HM LIFE INSURANCE COMPANY | $34K | — | $34K | 15.61% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS | PO BOX 21545 EAGAN, MN 55121 | HM LIFE INSURANCE COMPANY | $32K | — | $32K | 15.00% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | GUARDIAN | — | $3K | $3K | 2.78% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 NONE | Claims processing Service code 12 | 1900 MARKET STREET SUITE 500 PHILADELPHIA, PA 19103 | $56K |
| RADNOR BENEFITS GROUP EIN 23-2891592 BROKERS | Insurance agents and brokers Service code 22 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | $9K |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 155 | $93K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 294 | $16K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 164 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.