| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLR NEW YORK, NY 10173 | SUN LIFE INSURANCE COMPANY OF CANADA | $24K | $12K | $36K | 17.20% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S. AUSTIN, TX 78746 | SUN LIFE INSURANCE COMPANY OF CANADA | $0 | $76 | $76 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $1K | $0 | $1K | 5.35% |
| INLAND UNDERWRITERS INS. AGENCY,INC3 Filed as: INLAND UNDERWRITERS INSURANCE AGENC | 1 13TH STRRET CHARLESTOWN NAVY CHARLESTOWN, MA 02129 | AIG PROPERTY CASUALTY, U.S. | $782 | $0 | $782 | 15.01% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 431 | $25K |
| Life insurance | SUN LIFE INSURANCE COMPANY OF CANADA | 291 | $210K |
| Long-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 291 | $210K |
| Other(3 contracts, 3 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 300 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.