| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $933 | $106 | $1K | 11.14% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $317 | $317 | 3.40% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | PRINCIPAL LIFE INSURANCE COMPANY | $290 | — | $290 | 3.11% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP INC. | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | AETNA INTERNATIONAL | $953 | — | $953 | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $322 | $161 | $483 | 9.10% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $209 | — | $209 | 3.94% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $167 | — | $167 | 9.99% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP INC. | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $164 | — | $164 | 10.10% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $22 | — | $22 | 10.43% |
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 | 65 | 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) | 65 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 23 | $2K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 10 | $5K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7 | $9K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7 | $9K |
| Other(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 65 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65 | — |
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.