| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FL NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $13K | 12.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 176 FEDERAL STREET MEZZANINE BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 19.02% |
| FLEISCHER JACOBS & ASSOCIATES INC3 Filed as: FLEISCHER JACOBS & ASSOCIATES INC. | PO BOX 2343 SOUTH BURLINGTON, VT 054072343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 176 FEDERAL STREET MEZZANINE BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 19.02% |
| FLEISCHER JACOBS & ASSOCIATES INC3 Filed as: FLEISCHER JACOBS & ASSOCIATES INC. | PO BOX 2343 SOUTH BURLINGTON, VT 054072343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FL NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $948 | $4K | 17.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 176 FEDERAL STREET MEZZANINE BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 18.85% |
| FLEISCHER JACOBS & ASSOCIATES INC3 Filed as: FLEISCHER JACOBS & ASSOCIATES INC. | PO BOX 2343 SOUTH BURLINGTON, VT 054072343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 176 FEDERAL STREET MEZZANINE BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $226 | $226 | 17.87% |
| FLEISCHER JACOBS & ASSOCIATES INC3 Filed as: FLEISCHER JACOBS & ASSOCIATES INC. | PO BOX 2343 SOUTH BURLINGTON, VT 054072343 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $190 | — | $190 | 15.02% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 335 | $128K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 335 | $138K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 335 | $149K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 335 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.