| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NEW YORK | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $34K | $25K | $59K | 5.27% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 2.00% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 61 SOUTH PARAMUS ROAD, 4TH FLOOR PARAMUS, NJ 07652 | AETNA LIFE INSURANCE COMPANY | — | $59 | $59 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $12K | — | $12K | 5.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NEW YORK | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10010 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $9K | — | $9K | 4.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 109 LAURENS ROAD, SUITE 1A GREENVILLE, SC 29607 | SUN LIFE AND HEALTH INSURANCE COMPANY US | — | $1K | $1K | 0.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NEW YORK | 340 MADISON AVENUE, 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $4K | — | $4K | 3.22% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | EYEMED VISION CARE | $2K | — | $2K | 1.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NEW YORK | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $8K | 20.18% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06330 | FIRST UNUM LIFE INSURANCE COMPANY | $149 | — | $149 | 0.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NEW YORK | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 32.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NEW YORK | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FOUR EVER LIFE INSURANCE COMPANY | $542 | $271 | $813 | 12.01% |
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 | 2,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 2 | $7K |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,415 | $1.1M |
| Vision | EYEMED VISION CARE | 1,304 | $118K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY US | 327 | $287K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY US | 327 | $287K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY US | 327 | $227K |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY US | 5,606 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,606 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.