| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | HORIZON HEALTHCARE SERVICES INC. | $105K | — | $105K | 1.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | AETNA LIFE INSURANCE CO. | $10K | $5K | $15K | 6.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 12.00% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE. CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $146 | $146 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | VISION SERVICE PLAN | $4K | — | $4K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.00% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE., SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $32 | $32 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $508 | — | $508 | 25.00% |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC. | 394 | $6.0M |
| Vision | VISION SERVICE PLAN | 393 | $127K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 402 | $211K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 440 | $234K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 440 | $234K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC. | 394 | $6.0M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 440 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.