| 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 | $63K | $41 | $63K | 4.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24K | $24K | 1.74% |
| NPF INS SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 0.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $49 | $49 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 100102202 | RELIASTAR LIFE INSURANCE COMPANY OF NY | $22K | — | $22K | 2.61% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY STE 400 AUSTIN, TX 787356214 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | — | $73K | 15.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | $47 | $66 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FL 7E BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | -$1 | — | -$1 | -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. | $65K | $11K | $76K | 18.68% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $1K | $1K | 0.33% |
| NFP INSURANCE SERVICES INC0 Filed as: NFP - CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $695 | $33 | $728 | 0.18% |
| NPF INS SERVICES INC0 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 78764 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $4 | $4 | 0.00% |
| 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 - NATIONAL ACCOUNT SERVICES INC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $5K | $752 | $5K | 18.73% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $88 | $88 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE | $3K | $243 | $3K | 10.89% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVENUE NEW YORK, NY 10170 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE | — | $324 | $324 | 1.14% |
| 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 | $893 | — | $893 | 15.94% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $26 | $26 | 0.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATIVE SERVICE | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | 280 TRUMBULL STREET 5 HARTFORD, CT 06152 | $763K |
| SUN LIFE AND HEALTH INSURANCE | Claims processing Service code 12 | — | $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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY OF NY | 622 | $835K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,302 | $1.4M |
| Vision | VISION SERVICE PLAN | 626 | $106K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,302 | $1.9M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 37 | $6K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | 564 | $409K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,302 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,302 | — |
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.