| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $12 | $47K | 5.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | 2.02% |
| NPF INS SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $12 | $8K | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $55K | $8K | $63K | 17.73% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $2K | $2K | 0.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $4K | $543 | $4K | 15.41% |
| NPF INS SERVICES INC3 Filed as: NPF INSURANCE SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $138 | $138 | 0.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE | $3K | — | $3K | 10.95% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVENUE NEW YORK, NY 10170 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE | — | $611 | $611 | 2.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE | — | $41 | $41 | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - NATIONAL ACCOUNT SERVICES INC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $639 | — | $639 | 12.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE | $4K | $37K | $41K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATIVE SERVICE | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | 280 TRUMBULL STREET 5 HARTFORD, CT 06152 | $603K |
| SUN LIFE AND HEALTH INSURANCE | Claims processing Service code 12 | — | $160 |
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 | 540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 0 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,225 | $850K |
| Vision | VISION SERVICE PLAN | 576 | $95K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,225 | $1.3M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 36 | $5K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | 539 | $354K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,225 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,225 | — |
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.