| 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 10173 | BLUE CROSS OF CALIFORNIA | $87K | $0 | $87K | 1.36% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS OF CALIFORNIA | $61K | $0 | $61K | 0.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | $7K | $1K | $9K | 6.42% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 4.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $961 | $0 | $961 | 1.96% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $826 | $0 | $826 | 1.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE STATE STREET HARTFORD, CT 06102 | COMBINED INSURANCE | $3K | $0 | $3K | 31.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | ARAG INSURANCE COMPANY | $400 | $0 | $400 | 5.41% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE, SUITE 3400 CHICAGO, IL 60661 | ARAG INSURANCE COMPANY | $339 | $0 | $339 | 4.59% |
No Schedule C service providers reported on this filing.
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 | 593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 876 | $6.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 473 | $511K |
| Vision | VISION SERVICE PLAN | 421 | $49K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 593 | $139K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 593 | $139K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 876 | $6.4M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 593 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.