| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $18K | — | $18K | 3.20% |
| JOHN R. THORBAHN INS AGNCY INC3 Filed as: JOHN THORBAHN | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | ANTHEM BLUE CROSS | $11K | — | $11K | 7.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG II, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $272 | $272 | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG II, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $135 | $135 | 1.26% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FL AUSTIN, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $982 | — | $982 | 11.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $106 | $106 | 1.19% |
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 | 92 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 92 | 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. | 207 | $725K |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 207 | $570K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 65 | $9K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 65 | $11K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 65 | $23K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 65 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.