| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $48K | $0 | $48K | 1.60% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT COMPANY | $2K | $203 | $2K | 4.50% |
| DANIEL OWEN MACLELLAN3 | P.O. BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT COMPANY | $528 | $0 | $528 | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 2502 ROCK POINT DR STE 400 TAMPA, FL 33607 | PROVIDENT LIFE AND ACCIDENT COMPANY | $230 | $0 | $230 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 613 RIVER PARK ROAD BELMONT, NC 28012 | PROVIDENT LIFE AND ACCIDENT COMPANY | $221 | $0 | $221 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 227 WEST TRADE ST STE 1500 CHARLOTTE, NC 28202 | PROVIDENT LIFE AND ACCIDENT COMPANY | $0 | $112 | $112 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 190 RIVER RD SUMMIT, NJ 07902 | PROVIDENT LIFE AND ACCIDENT COMPANY | $20 | $0 | $20 | 0.04% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.42% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG COMPANIES | PO BOX 989 MARLTON, NJ 08053 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.47% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SILUTIONS, INC | 155 N WACKER DRIVE SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $70 | $0 | $70 | 0.25% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134 | $0 | $134 | 5.07% |
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 | 2,254 | 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) | 2,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALPHA DENTAL PROGRAMS, INC. | 593 | $73K |
| Vision | EYEMED VISION CARE | 3,189 | $201K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,254 | $3.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,254 | $3.0M |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT COMPANY | 142 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,189 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.