| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LOOMIS COMPANY | 850 N. PARK ROAD WYOMISSING, PA 196106011 | WESTPORT INSURANCE CORPORATION | — | $35K | $35K | 62.47% |
| NAVIGATION BENEFITS LLC Filed as: NAVIGATION BENEFITS, LLC | 117 FORREST AVE SUITE 211 NARBERTH, PA 19072 | WESTPORT INSURANCE CORPORATION | — | $25K | $25K | 44.29% |
| MGU UNDERWRITING FEE | — | WESTPORT INSURANCE CORPORATION | — | $19K | $19K | 34.48% |
| FIRST HEALTH GROUP CORPORATION | 3200 HIGHLAND AVENUE DOWNERS GROVE, IL 605151282 | WESTPORT INSURANCE CORPORATION | — | $19K | $19K | 34.48% |
| REGINA BELL | 6516 N GRATZ STREET PHILADELPHIA, PA 19126 | WESTPORT INSURANCE CORPORATION | — | $7K | $7K | 13.27% |
| KEITH KELLEY | 4321 MAIN STREET APT 2F PHILADELPHIA, PA 19127 | WESTPORT INSURANCE CORPORATION | — | $5K | $5K | 8.90% |
| NEW BENEFITS | — | WESTPORT INSURANCE CORPORATION | — | $585 | $585 | 1.05% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 214 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.