| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | MASS GENERAL BRIGHAM HEALTH PLAN | $9K | $0 | $9K | 0.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | MASS GENERAL BRIGHAM HEALTH PLAN | $10K | $0 | $10K | 3.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $3K | $0 | $3K | 3.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES NY LLC | — | MASS GENERAL BRIGHAM HEALTH PLAN | $10K | $0 | $10K | 10.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $198 | $4K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | MASS GENERAL BRIGHAM HEALTH PLAN | $10K | $0 | $10K | 39.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $117 | $1K | 8.66% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $221 | $0 | $221 | 1.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $89 | $1K | 9.11% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CHRISTOPHER | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $253 | $0 | $253 | 2.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $846 | $0 | $846 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $373 | $28 | $401 | 10.74% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | MASS GENERAL BRIGHAM HEALTH PLAN | 94 | $1.9M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 212 | $89K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $4K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 23 | $12K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
No prospect flags tripped on this filing.