| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: HACKETT VALINE AND MACDONALD INC | PO BOX 2127 SOUTH BURLINGTON, VT 05407 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $981 | $840 | $2K | 3.95% |
| COMBINED SERVICES LLC3 | P.O. BOX 1320 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 34.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 21ST FLOOR 340 MADISON AVENUE NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $175 | $2K | 24.73% |
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 | 126 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 135 | $46K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.