| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126K | $30K | $156K | 39.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 265 FRANKLIN ST #1901 BOSTON, MA 02110 | ALTUS DENTAL INSURANCE COMPANY | $5K | $0 | $5K | 3.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES - NY | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $394 | $3K | 11.68% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 7.43% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA BERKSHIRE | 126 SOUTH ST PITTSFIELD, MA 01201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | $5 | $66 | 0.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | VISION SERVICE PLAN | $2K | $0 | $2K | 13.56% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALTUS DENTAL INSURANCE COMPANY | 348 | $130K |
| Vision | VISION SERVICE PLAN | 125 | $15K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $29K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 269 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.