| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $0 | $31K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD. STE 300 WARRINGTON, PA 18976 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $948 | $948 | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD. STE 300 WARRINGTON, PA 18976 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $719 | $719 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 189763652 | VISION SERVICE PLAN | $10K | $0 | $10K | 7.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. COMPANY OF PITTSBURGH, PA | $4K | $0 | $4K | 25.00% |
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 | 849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 747 | $135K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 849 | $612K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 849 | $463K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. COMPANY OF PITTSBURGH, PA | 852 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.