| 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 | $65K | $66 | $65K | 5.18% |
| 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 | 1.36% |
| NPF INS SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.00% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FIRST SYMETRA NATIONAL LIFE INSURANCE CO OF NY | — | $40K | $40K | 4.16% |
| 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. | $87K | $13 | $87K | 15.00% |
| 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. | $2K | $12 | $2K | 0.36% |
| 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 | 0.34% |
| NPF INS SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 78764 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $293 | $293 | 0.05% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY STE 2 STE 400 AUSTIN, TX 787356214 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 4.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $33 | $66 | $99 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7 | $7 | 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 | $9 | $4K | 5.22% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $113 | $113 | 0.14% |
| 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 | $428 | $4K | 9.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE | — | $42 | $42 | 0.11% |
| 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 | $757 | — | $757 | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $20 | $20 | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATIVE SERVICE | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | 280 TRUMBULL STREET 5 HARTFORD, CT 06152 | $873K |
| SUN LIFE AND HEALTH INSURANCE EIN 06-0893662 ADMINISTRATIVE SERVICE | Claims processing Service code 12 | 1 SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 024815699 | $14K |
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 | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,348 | $1.3M |
| Vision | VISION SERVICE PLAN | 647 | $113K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,348 | $1.7M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 35 | $5K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | 606 | $579K |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL LIFE INSURANCE CO OF NY | 629 | $956K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,348 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,348 | — |
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.