| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC0 Filed as: NFP INSURANCE SERVICES | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 176 FEDERAL STREET BOSTON, MA 02110 | LINCOLN LIFE ANNUITY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $49K |
| HEALTH AND HUMAN RESOURCE CENTER EIN 33-0052273 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $3K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $0 |
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 | 2,236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 267 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 381 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,302 | $226K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,926 | $743K |
| Long-term disability | LINCOLN LIFE ANNUITY | 2,203 | $493K |
| Other(2 contracts, 2 carriers) | HYATT LEGAL | 444 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,926 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.