| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD WARRINGTON, PA 18976 | AETNA LIFE INSURANCE COMPANY | $7K | $7K | $14K | 12.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD #300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 13.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $96K |
| NFP CORPORATE SERVICES (PA), INC. BROKER | Trustee (individual) Service code 20 | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | $66K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Trustee (individual) Service code 20 | — | $35K |
| SOUTHERN SCRIPTS EIN 47-4999303 ADMIN | Claims processing Service code 12 | — | $20K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $12K |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 329 | $108K |
| Vision | AETNA LIFE INSURANCE COMPANY | 329 | $108K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 308 | $72K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 308 | $72K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 308 | $72K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 202 | $427K |
| Other | HARTFORD LIFE AND ACCIDENT | 308 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.