| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $96K | — | $96K | 5.29% |
| LOCKER SAUL3 | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $49K | — | $49K | 5.06% |
| NFP INSURANCE SERVICES INC3 | 109 LAURENS RD SUITE 1A GREENVILLE, SC 29607 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $6K | $6K | 0.63% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE AGENCY | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | JOHN HANCOCK | $42K | — | $42K | 6.98% |
| LOCKER SAUL3 | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | SUN LIFE AND HEALTH INSURANCE COMPANY | $21K | — | $21K | 5.08% |
| NFP INSURANCE SERVICES INC3 | 109 LAURENS RD SUITE 1A GREENVILLE, SC 29607 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $3K | $3K | 0.62% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | GENWORTH LIFE INSURANCE COMPANY | $21K | $0 | $21K | 16.94% |
| INDIVIDUAL COMMERCIAL BROKERAGE3 | 100 ENTERPRISE DRIVE SUITE 500 ROCKAWAY, NJ 07866 | GENWORTH LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.55% |
| LOCKER SAUL3 | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | — | $4K | 6.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOCKER SAUL NONE | Claims processing Service code 12 | 1099 18TH STREET SUITE 2870 DENVER, CO 80202 | $49K |
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 | 2,210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 2,407 | $900K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,624 | $1.8M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC | 2,407 | $900K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,210 | $970K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,210 | $416K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC | 2,407 | $900K |
| Other(4 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,210 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,624 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.