| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | DEAN HEALTH PLAN INC | $3K | — | $3K | 1.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | METLIFE | $31K | — | $31K | 20.00% |
| BAY HEALTH INSURANCE AGENCY, INC.5 Filed as: BAY BRIDGE ADMINISTRATORS LLC | — | METLIFE | $17K | $2K | $19K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $626 | — | $626 | 0.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO INC | — | METLIFE | — | $16 | $16 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | METLIFE | $8K | — | $8K | 15.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | DELTA DENTAL OF WISCONSIN | $3K | — | $3K | 6.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | METLIFE | $6K | — | $6K | 14.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | METLIFE | $1K | — | $1K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | — | UNUM | $439 | $31 | $470 | 11.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | — | UNUM | $208 | $10 | $218 | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | — | UNUM | $71 | $5 | $76 | 10.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BAY BRIDGE ADMINISTRATORS EIN 02-0694124 TPA | Contract Administrator; Claims processing; Other services Service code 12 | — | $23K |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 36 | $173K |
| Dental | DELTA DENTAL OF WISCONSIN | 94 | $53K |
| Life insurance(5 contracts, 2 carriers) | METLIFE | 313 | $158K |
| Short-term disability(3 contracts, 2 carriers) | METLIFE | 313 | $152K |
| Long-term disability(3 contracts, 2 carriers) | METLIFE | 295 | $135K |
| Other(6 contracts, 2 carriers) | METLIFE | 313 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.