| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVIGATION BENEFITS LLC | 117 FORREST AVE STE 214 NARBETH, PA 19072 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 8.50% |
| HENRY MITCHELL BESVINICK | 1280 BRIGHTON WAY NEWTOWN SQ, PA 19072 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 8.00% |
| REGINA BELL Filed as: REGINA A. BELL | 6516 N GRATZ ST PHILADELPHIA, PA 19126 | AMERITAS LIFE INSURANCE CORP | $423 | — | $423 | 1.80% |
| KEITH KELLEY | 207 LEVERING STREET PHILADELPHIA, PA 19128 | AMERITAS LIFE INSURANCE CORP | $399 | — | $399 | 1.70% |
| NAVIGATION BENEFITS LLC | 117 FORREST AVE STE 214 NARBETH, PA 19072 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 19.84% |
| NAVIGATIO BENEFITS LLC | 117 FORREST AVE SUITE 214 NARBERTH, PA 19072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $664 | — | $664 | 6.50% |
| REGINA BELL | 6516 N GRATZ ST PHILADELPHIA, PA 19126 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $183 | — | $183 | 1.79% |
| KEITH KELLEY | 4321 MAIN ST APT 2F PHILADLEPHIA, PA 19126 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $174 | — | $174 | 1.70% |
| NAVIGATION BENEFITS LLC | 117 FORREST AVENUE SUITE 214 NARBERTH, PA 19072 | MANHATTAN LIFE | $1K | — | $1K | 17.23% |
| REGINA BELL | 6516 N GRATZ ST PHILADELPHIA, PA 19126 | MANHATTAN LIFE | $300 | — | $300 | 4.77% |
| KETIH KELLEY | 6516 N GRATZ ST PHILADELPHIA, PA 19128 | MANHATTAN LIFE | $284 | — | $284 | 4.51% |
| 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 |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| 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 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.