| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $2K | $18K | 12.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $17K | 11.41% |
| GREGORY L ULATOWSKI3 | 305 PLYMOUTH DR SYRACUSE, NY 13206 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14K | $990 | $15K | 12.64% |
| CHERYL O'BRIEN3 Filed as: CHERYL ANN EDWARDS | 8900 MICHIGAN AVE. CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $104 | $19 | $123 | 0.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | THE PAUL REVERE LIFE INSURANCE COMPANY | $88 | $0 | $88 | 0.08% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $7 | $14 | 0.01% |
| MEAGAN M MARTIN3 | 517 PARK AVE. SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $7 | $14 | 0.01% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.29% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING AND ASSOCIATES INC | 220 N GREEN STREET CHICAGO, IL 60607 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.01% |
| LTCI PARTNERS LLC3 | 2189 N ILLINOS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $426 | $5K | 11.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | $5K | $0 | $5K | 25.00% |
| GREGORY L ULATOWSKI3 Filed as: GREGORY L. ULATOWSKI | 305 PLYMOUTH DR. SYRACUSE, NY 13206 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $347 | $3K | 16.66% |
| SEE ATTACHMENT3 | — | AFLAC | $2K | $160 | $2K | 13.28% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING AND ASSOCIATES INC | 220 N GREEN STREET CHICAGO, IL 60607 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 54.13% |
| LTCI PARTNERS LLC3 | 2189 N ILLINOIS ROUTE 83 SUITE 110 ROUND LAKE BEACH, IL 60073 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 25.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $960 | $0 | $960 | 21.72% |
| GREGORY L ULATOWSKI3 | 305 PLYMOUTH DR. SYRACUSE, NY 13206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 7.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104 | $12 | $116 | 11.14% |
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 | 1,900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 330 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 499 | $150K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $145K |
| Other(8 contracts, 7 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 1,900 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,900 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.