| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPROATE SERVICES. LLC | 141 LONGWATER DRIVE STE 101 NORWELL, MA 02061 | TUFTS INSURANCE COMPANY | $34K | $39K | $73K | 6.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 141 LONGWATER DRIVE STE 101 NORWELL, MA 02061 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $4K | $5K | $9K | 6.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES LLC | 141 LONGWATER DRIVE STE 101 NORWELL, MA 02061 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.78% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 159 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $85K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $85K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.