| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $127K | $30K | $156K | 2.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $0 | $44K | 14.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIASTAR LIFE INSURANCE COMPANY | $65K | $0 | $65K | 34.36% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $987 | $987 | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $809 | $809 | 0.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | EYEMED VISION CARE | $7K | $0 | $7K | 7.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 20 NEW YORK, NJ 10173 | EYEMED VISION CARE | $877 | $0 | $877 | 0.93% |
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 | 1,179 | 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) | 1,179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 991 | $6.5M |
| Vision | EYEMED VISION CARE | 1,509 | $94K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,179 | $314K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,127 | $95K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,127 | $214K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 280 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,509 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.