| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 | 521 W MAIN STREET PO BOX 391 LANSDALE, PA 19446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $27K | $27K | 2.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $19K | $19K | 1.74% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $11K | $11K | 0.98% |
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET LANSDALE, PA 19446 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.03% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.79% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | — | DELTA DENTAL | $951 | $0 | $951 | 3.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | DELTA DENTAL | $663 | $0 | $663 | 2.25% |
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET LANSDALE, PA 19446 | VISION BENEFITS OF AMERICA | $283 | $0 | $283 | 2.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $196 | $0 | $196 | 2.04% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 30 | $36K |
| Vision | VISION BENEFITS OF AMERICA | 75 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $49K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $49K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $49K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $1.1M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.