| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $111K | $0 | $111K | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $11K | $13K | 18.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPTIAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $913 | $913 | 1.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COROPRATE SERVICES INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $557 | $557 | 1.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $11K | 28.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $524 | $524 | 1.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 16.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPTIAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $503 | $503 | 1.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $283 | $2K | 18.01% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $118 | $118 | 1.25% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | FEDERAL INSURANCE COMPANY | $689 | $0 | $689 | 15.01% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 321 | $2.2M |
| Vision | AETNA LIFE INSURANCE CO. | 359 | $23K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 233 | $70K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $37K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 165 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 321 | $2.2M |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 276 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.