| 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 | $68K | $102 | $68K | 5.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27K | $27K | 2.12% |
| NPF INS SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 0.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC DBA | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 100102202 | RELIASTAR LIFE INSURANCE COMPANY OF NY | $21K | — | $21K | 2.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 100170401 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $69K | $10K | $79K | 16.98% |
| 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. | $3K | $24 | $3K | 0.57% |
| 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 | 0.33% |
| NPF INS SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 78764 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $3 | $3 | 0.00% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY STE 400 AUSTIN, TX 787356214 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 5.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | METROPOLITAN LIFE INSURANCE COMPANY | — | $102 | $102 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $6K | $721 | $7K | 8.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $101 | $101 | 0.13% |
| 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 | $530 | $4K | 12.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE | — | $197 | $197 | 0.68% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVENUE NEW YORK, NY 10170 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE | — | $100 | $100 | 0.35% |
| 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 | $887 | — | $887 | 16.26% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $20 | $20 | 0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATIVE SERVICE | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | 280 TRUMBULL STREET 5 HARTFORD, CT 06152 | $897K |
| SUN LIFE AND HEALTH INSURANCE EIN 06-0893662 ADMINISTRATIVE SERVICE | Claims processing Service code 12 | 1 SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 024815699 | $16K |
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 | 548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY OF NY | 631 | $959K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,350 | $1.3M |
| Vision | VISION SERVICE PLAN | 639 | $107K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,350 | $1.7M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 38 | $5K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | 721 | $465K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,350 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,350 | — |
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.