| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVIGATION BENEFITS LLC3 | 117 FORREST AVENUE SUITE 214 NARBERTH, PA 19072 | AMERITAS LIFE INSURANCE CORP. | $5K | $0 | $5K | 9.60% |
| INNOBENEFITS LLC3 Filed as: INNOBENEFITS, LLC | 99 WOOD AVE SOUTH STE 501 ISELIN, NJ 08830 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 5.57% |
| MITCHELL HENRY BESVINICK3 | 99 WOOD AVES S STE 501 ISELIN, NJ 08830 | AMERITAS LIFE INSURANCE CORP. | $1K | $0 | $1K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6903 ROCKLEDGE DR SUITE 1400 BETHESDA, MD 20817 | AMERITAS LIFE INSURANCE CORP. | $1K | $0 | $1K | 2.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY SOUTH BLDG 2 STE 600 AUSTIN, TX 78746 | AMERITAS LIFE INSURANCE CORP. | $0 | $727 | $727 | 1.37% |
| NAVIGATION BENEFITS LLC3 | 117 FORREST AVENUE SUITE 214 NARBERTH, PA 19072 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $627 | $0 | $627 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MA 20817 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $376 | $0 | $376 | 3.00% |
| NAVIGATION BENEFITS LLC3 | 117 FORREST AVENUE SUITE 214 NARBERTH, PA 19072 | METROPOLITAN LIFE INSURANCE COMPANY | $242 | $0 | $242 | 15.57% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 145 | $53K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 145 | $53K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 61 | $2K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 56 | $14K |
| Other(2 contracts, 2 carriers) | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 61 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.