Filings through .
Broker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The plan is in a transition year.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Navigation Benefits LLC DentalVision | DentalVision | |
Broker: Navigation Benefits LLC Life | Life | |
Broker: Navigatio Benefits LLC Life | Life | |
Broker: Navigation Benefits LLC Life | Life |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 256 | $23K |
| Vision | AMERITAS LIFE INSURANCE CORP | 256 | $23K |
| Life insurance(3 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 407 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVIGATION BENEFITS LLC EIN 81-1242192 TPA | Plan Administrator Service code 14 | 117 FORREST AVENUE SUITE 214 NARBERTH, PA 19072 | $33K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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