| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION - B39Z2QMZC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FALLON HEATLH | $30K | — | $30K | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION - B39Z2QMZC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $12K | — | $12K | 1.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION - B39Z2QMZC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $12K | — | $12K | 2.38% |
| JOHN P. FORAN INSURANCE AGENCY, INC3 Filed as: JOHN P. FORAN INSURANCE AGENCY INC. | P.O. BOX 840 EAST DENNIS, MA 02641 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 1.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 7.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $739 | $3K | 7.00% |
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 | 718 | 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. |
| Total participants (= "Plan participants" tile) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | FALLON HEATLH | 952 | $4.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 683 | $232K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,322 | $136K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 548 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,322 | — |
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.