| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | DELTA DENTAL OF PENNSYLVANIA | $668 | $0 | $668 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $714 | $36 | $750 | 15.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $405 | $20 | $425 | 15.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $192 | $10 | $202 | 15.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73 | $15 | $88 | 12.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $4K |
| THE MELTZER GROUP (NFP-MD) EIN 22-3811325 BROKER | Insurance agents and brokers Service code 22 | — | $4K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $890 |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 160 | $7K |
| Vision | EYEMED VISION CARE | 222 | $1K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $5K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $3K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 166 | $58K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.