| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | MASS GENERAL BRIGHAM HEALTH PLAN | $83K | — | $83K | 1.65% |
| NFS CORPORATE SERVICES NY LLC3 | 340 MDISON AVE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASS | $7K | — | $7K | 3.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 8.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE | $3K | — | $3K | 6.61% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE | — | $382 | $382 | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE | $4K | — | $4K | 10.13% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE | — | $365 | $365 | 0.89% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE | $1K | — | $1K | 11.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE | — | $112 | $112 | 0.89% |
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 | 439 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MASS GENERAL BRIGHAM HEALTH PLAN | 439 | $5.0M |
| Dental(2 contracts, 2 carriers) | MASS GENERAL BRIGHAM HEALTH PLAN | 439 | $5.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 353 | $57K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 167 | $43K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE | 168 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 168 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.