| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD SPORTS & ENTERTAINMENT LLC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | HCC LIFE INSURANCE COMPANY | $401K | — | $401K | 13.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $155K | $62K | $218K | 7.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 0.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $679K |
| SUTTON SPECIAL RISK NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $665K |
| MERITAIN EIN 16-1264154 NONE | Claims processing; Plan Administrator; Contract Administrator; Direct payment from the plan Service code 12 | — | $476K |
| BWD SPORTS & ENTERTAINMENT LLC EIN 11-3510761 NONE | Insurance agents and brokers Service code 22 | — | $401K |
| PROSKAUER ROSE EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $289K |
| BWD AGENCY INC. | Insurance agents and brokers Service code 22 | — | $206K |
| BWD AGENCY NONE | Insurance brokerage commissions and fees; Consulting (general); Direct payment from the plan Service code 16 | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | $180K |
| BREDHOFF AND KAISER PLLC EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $164K |
| CDS ADMINISTRATORS INC EIN 25-1352803 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $123K |
| KOSKIE MINSKY LLP NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| BLAKE CASSELS AND GRAYDON LLP NONE | Legal; Direct payment from the plan Service code 29 | — | $52K |
| WITHUMSMITH&BROWN EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $50K |
| SAVRX PRESCRIPTION SERVICES EIN 47-0527013 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $15K |
| HORIZON EIN 26-1370698 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $14K |
| NEXGENRX INC NONE | Claims processing; Direct payment from the plan Service code 12 | — | $10K |
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 | 1,048 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 517 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,807 | $2.9M |
| Long-term disability | HCC LIFE INSURANCE COMPANY | 1,048 | $3.1M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,394 | $948K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,807 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,807 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.