| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $100K | — | $100K | 0.12% |
| PBIRX, INC.3 | 612 WHEELERS FARMS ROAD MILFORD, CT 06461 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $76K | — | $76K | 0.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE ROOM 3202, 21ST FLOOR NEW YORK, NY 10166 | SUN LIFE ASSURANCE COMPANY OF CANADA | $114K | $36K | $150K | 8.69% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 1.82% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE 32ND FLOOR NEW YORK, NY 10166 | VISION SERVICE PLAN | $5K | — | $5K | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $8K | — | $8K | 5.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $5K | — | $5K | 3.40% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVENUE SUITE 531 NEW YORK, NY 10170 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $558 | $558 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $45 | $45 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE ROOM 3202, 21ST FLOOR NEW YORK, NY 10166 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $3K | $8K | 6.58% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $434 | $434 | 0.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.90% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $728K | — | $728K | 17365.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE, ROOM 3202, 21ST FLOOR NEW YORK, NY 10166 | SUN LIFE ASSURANCE COMPANY OF CANADA | $220 | $109 | $329 | 7.85% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $12 | $12 | 0.29% |
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 | 5,007 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 8,481 | $81.2M |
| Dental(41 contracts) | DELTA DENTAL OF RHODE ISLAND | 1,798 | $0 |
| Vision | VISION SERVICE PLAN | 3,105 | $406K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,062 | $1.7M |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $131K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,062 | $1.7M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,062 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,481 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.