| 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 | $57K | $63 | $57K | 4.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES (NY)LLC | 2OO PARK AVE RM 3202 21ST FL NEW YORK, NY 101663201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22K | $22K | 1.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC | 2OO PARK AVE RM 3202 21ST FL NEW YORK, NY 10166 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $57K | $13K | $70K | 15.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES NY LLC | 2OO PARK AVE RM 3202 21ST FL NEW YORK, NY 10166 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $2K | $453 | $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 | 0.36% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $55 | $55 | 0.01% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY STE 2 STE 400 AUSTIN, TX 787356214 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 5.58% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY STE 2 STE 400 AUSTIN, TX 787356214 | METROPOLITAN LIFE INSURANCE COMPANY | $415 | — | $415 | 0.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES (NY)LLC | 2OO PARK AVE RM 3202 21ST FL NEW YORK, NY 10166 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | $4K | $4K | $7K | 3.08% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 787466446 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | — | $879 | $879 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES (NY)LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN GENERAL INSURANCE | $3K | $429 | $4K | 10.63% |
| 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 | $224 | — | $224 | 21.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES (NY)LLC | 2OO PARK AVE RM 3202 21ST FL NEW YORK, NY 10166 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $198 | $198 | 18.89% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 787466446 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $19 | $19 | 1.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATIVE SERVICE | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | 280 TRUMBULL STREET 5 HARTFORD, CT 06152 | $925K |
| 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 | 547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,271 | $1.2M |
| Vision | VISION SERVICE PLAN | 638 | $107K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,271 | $2.5M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 26 | $1K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S. | 594 | $457K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,271 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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.