| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR ROOM 3202 NEW YORK, NY 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 5.09% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 3.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.33% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR RM 3202 NEW YORK, NY 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.77% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO EASTERN STATES | 30 WATERSIDE DRIVE STE 300 FARMINGTON, CT 06032 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.60% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVE 32ND FLOOR NEW YORK, NY 10166 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.87% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO. | 116 HUNTINGTON AVE FL 8 BOSTON, MA 02116 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.67% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY(EASTERN STATES), | 333 WEST 34TH ST NEW YORK, NY 10173 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | $1K | $0 | $1K | 3.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | $421 | $0 | $421 | 1.26% |
| MHA INSURANCE AGENCY3 Filed as: MHA INSURANCE AGENCY INC | 500 DISTRICT AVE BURLINGTON, MA 01803 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 8.55% |
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 | 1,783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL | 2,242 | $33K |
| Vision | VISION SERVICE PLAN | 982 | $102K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,790 | $477K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,146 | $464K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,198 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,242 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.