| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MA) LLC | 141 LONGWATER DR STE 101 NORWELL, MA 02061 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 3.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 8.76% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 7.48% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $817 | $0 | $817 | 2.61% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 6.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.13% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $699 | $0 | $699 | 2.24% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 35.37% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. DBA THE ENR | 50 MAIN STREET SUITE 200 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | $3K | $343 | $4K | 19.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | VISION SERVICE PLAN | $216 | $0 | $216 | 5.97% |
| J KING INSURANCE INC3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | VISION SERVICE PLAN | $73 | $0 | $73 | 2.02% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER AND SHEPLY | 60 CATAMORE BLVD PROVIDENCE, RI 02914 | VISION SERVICE PLAN | $73 | $0 | $73 | 2.02% |
| ENROLLEASE3 Filed as: ENROLLEASE INC DBA ESSE CENTRA | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $45 | $0 | $45 | 1.24% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 326 | $852K |
| Vision | VISION SERVICE PLAN | 45 | $4K |
| Life insurance | STANDARD INSURANCE COMPANY | 177 | $31K |
| Long-term disability | STANDARD INSURANCE COMPANY | 177 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.