| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $25K | $81K | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 10201 FAIRFAX BLVD. STE 500 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVE. STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $96K | $0 | $96K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST. STE 500 ROCKVILLE, MD 20850 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $3K | $11K | 0.54% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 90 PARK AVE 17TH FLOOR NEW YORK, NY 10016 | SUN LIFE AND HEALTH INSURANCE COMPANY | $85K | $0 | $85K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 611 POINTE NORTH BLVD ALBANY, GA 31721 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $84K | $84K | 4.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $27K | $0 | $27K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | ONE CHURCH STREET STE 500 ROCKVILLE, MD 20850 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $506 | $2K | 0.34% |
| AON CONSULTING INC3 | ONE LIBERTY PLAZA 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $37K | $0 | $37K | 20.00% |
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 | 1,839 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21 | $929K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,421 | $3.4M |
| Vision | VISION SERVICE PLAN | 2,848 | $482K |
| Life insurance(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,839 | $2.1M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,299 | $569K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,839 | $2.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,675 | $1.9M |
| Other(6 contracts, 6 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,684 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,684 | — |
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.