| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 070904003 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $15K | $53K | 1.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 0.91% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 070904003 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $4K | $31K | 3.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 0.91% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 6.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $24K | $24K | 12.50% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE COMPANY | 133 PROSPECT STREET WESTFIELD, NJ 070904003 | ZURICH AMERICAN INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.03% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 070904003 | METROPOLITAN LIFE INSURANCE COMPANY | — | $492 | $492 | 0.49% |
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 | 2,781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 62 | $655K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 602 | $867K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,998 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,781 | $3.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,781 | $3.4M |
| Other | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | 348 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,781 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.