| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $129K | $129K | 5.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD #300 WARRINGTON, PA 18976 | SYMETRA LIFE INSURANCE COMPANY | $22K | $8K | $30K | 13.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | DELTA DENTAL INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COROPRATE SERVICES | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 189763652 | VISION SERVICE PLAN | $5K | $0 | $5K | 14.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | SYMETRA LIFE INSURANCE COMPANY | $16K | $1K | $17K | 58.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | DELTA DENTAL INSURANCE COMPANY | $890 | $0 | $890 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | METLIFE LEGAL PLANS | $806 | $0 | $806 | 11.12% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 295 | $2.3M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 302 | $161K |
| Vision | VISION SERVICE PLAN | 165 | $31K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 224 | $217K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 224 | $217K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 224 | $217K |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 402 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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."
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.