| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETRA LLC | 1401 OLD CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $16K | $81K | 6.25% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP SOUTH | 40 WALL STREET SUITE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPNY | $36K | $7K | $43K | 12.52% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BELMONT | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPNY | $24K | $12K | $36K | 10.55% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP NORTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPNY | — | $20K | $20K | 5.87% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPNY | — | $10K | $10K | 2.82% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP SOUTH | 40 WALL STREET SUITE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPNY | $6K | $1K | $8K | 14.89% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BELMONT | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPNY | $4K | $3K | $7K | 13.28% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPNY | — | $2K | $2K | 4.48% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP NORTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPNY | — | $2K | $2K | 3.84% |
| PETRA LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | FIRST UNUM LIFE INSURANCE COMPANY | $631 | $158 | $789 | 6.25% |
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 | 1,404 | 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) | 1,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,383 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,383 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.