| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN R. THORBAHN INS AGNCY INC3 Filed as: JOHN R THORBAHN INS AGNCY INC | 141 LONGWATER DR STE 101 NORWELL, MA 02061 | DELTA DENTAL OF MASSACHUSETTS | $4K | — | $4K | 4.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SRVCS NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NC 10173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 23.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY STE 2-600 AUSTIN, TX 78746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 12.89% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $26 | $26 | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | VISION SERVICE PLAN | $748 | — | $748 | 6.93% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 68 | $0 |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 187 | $93K |
| Vision | VISION SERVICE PLAN | 58 | $11K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112 | $42K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112 | $42K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.