| 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 | $11K | $49K | 1.41% |
| 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 | 0.89% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 070904003 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $4K | $31K | 3.40% |
| 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 | 0.90% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 5.50% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $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 | $801 | — | $801 | 0.73% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 070904003 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $457 | $457 | 0.42% |
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 | 2,839 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 64 | $794K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 581 | $1.0M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,987 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,839 | $3.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,839 | $3.5M |
| Other | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | 373 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,839 | — |
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."
No prospect flags tripped on this filing.