| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | $0 | $25K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | PO BOX 783088 NFP BNFTS MA RGNL LCKBC PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 8.46% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 700 W HILLSBORO BLVD SUITE 2-120 DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $6K | $211 | $6K | 3.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX), LLX | 1250 S CAPITAL OF TEXAS HWY BLDG 2 ATTN THOMAS SIMMER STE 600 AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | $0 | $1K | 1.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | -$49 | $3K | 6.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS - BOR | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | EYEMED VISION CARE | $1K | $0 | $1K | 17.95% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 333 | $50K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 333 | $50K |
| Vision | EYEMED VISION CARE | 130 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 113 | $156K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 113 | $156K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 113 | $156K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 82 | $1.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 113 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.