| 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 | $48K | $0 | $48K | 3.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVENUE STE 3202 NEW YORK, NY 10166 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 12.11% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $0 | $743 | $743 | 2.09% |
| 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 | 12.01% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | $0 | $467 | $467 | 3.49% |
| 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 | 17.44% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 50 MAIN ST STE 200 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | $0 | $448 | $448 | 3.50% |
| STARKWEATHER & SHEPLEY, INC.3 Filed as: STARKWEATHER & SHEPLEY INC | 60 CATAMORE BOULEVARD EAST PROVIDENCE, RI 02914 | STANDARD INSURANCE COMPANY | $762 | $0 | $762 | 9.19% |
| J KING INSURANCE INC3 Filed as: J. KING INSURANCE, INC. | 50 MAIN STREET SUITE 200 EAST GREENWICH, RI 02818 | STANDARD INSURANCE COMPANY | $460 | $222 | $682 | 8.23% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 342 | $1.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 342 | $1.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 342 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 172 | $49K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 172 | $48K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 172 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.