| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC.G | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $12K | $65K | 6.22% |
| NPF INS SERVICES INC3 Filed as: NPF INS SERVICES | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSHPERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $116 | $116 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $43K | — | $43K | 12.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - NATIONAL ACCOUNT SERVICES, IN | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $20K | — | $20K | 5.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - NATIONAL ACCOUNT SERVICES, IN | 7272 E INDIAN SCHOOL RD SUITE 415 SCOTTSDALE, AZ 85251 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $12K | — | $12K | 3.51% |
| MAYFIELD GREGORY3 | 7272 E INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $4K | — | $4K | 1.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $3K | — | $3K | 12.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - NATIONAL ACCOUNT SERVICES, IN | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $1K | — | $1K | 5.91% |
| GREGORY ALAN MAYFIELD3 Filed as: GREGORY MAYFIELD | 7272 E INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $537 | — | $537 | 2.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - NATIONAL ACCOUNT SERVICES, IN | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | SUN LIFE ASSURANCE COMPANY OF NEW YORH | $1K | — | $1K | 14.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | CIGNA HEALTH & LIFE INSURANCE COMPPANY AND AFFILATES | $42K | — | $42K | 10781.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSHPERE CIRCLE CHICAGO, IL 47402 | CIGNA HEALTH & LIFE INSURANCE COMPPANY AND AFFILATES | -$6K | — | -$6K | -1508.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATIVE SERVICE | Float revenue; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | 280 TRUMBULL STREET 5 HARTFORD, CT 06152 | $692K |
| SUN LIFE AND HEALTH INSURANCE | Claims processing Service code 12 | — | $168 |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,176 | $1.1M |
| Vision | VISION SERVICE PLAN | 544 | $94K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,176 | $1.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF NEW YORH | 55 | $7K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | 501 | $341K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE COMPPANY AND AFFILATES | 0 | $389 |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,176 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,176 | — |
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.