| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSG GROUP SERVICES, LLC3 | 133 PROSPECT STREET WESTFIELD, NJ 07090 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $62K | $62K | 3.20% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP, LLC | 34 BAY STREET SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $23K | $23K | 1.19% |
| BSG GROUP SERVICES, LLC3 | 133 PROSPECT STREET WESTFIELD, NJ 07090 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $274 | $571 | $845 | 0.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $820 | $0 | $820 | 0.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 12.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | VISION SERVICE PLAN | $455 | $0 | $455 | 4.29% |
| BSG GROUP SERVICES, LLC3 | 133 PROSPECT STREET WESTFIELD, NJ 07090 | VISION SERVICE PLAN | $219 | — | $219 | 2.07% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $105K |
| Vision | VISION SERVICE PLAN | 104 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $87K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $87K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $87K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $1.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
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.