| 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 | $18K | $0 | $18K | 10.00% |
| 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 | $17K | $0 | $17K | 10.50% |
| GREGORY L ULATOWSKI3 Filed as: GREGORY L. ULATOWSKI | 305 PLYMOUTH DR. SYRACUSE, NY 13206 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.13% |
| CHERYL O'BRIEN3 Filed as: CHERYL ANN EDWARDS | 8900 MICHIGAN AVE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.02% |
| STEPHEN M HENSS LLC3 | 6 CHISEL CREEK DR LANDENBERG, PA 19350 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MEAGAN M MARTIN3 | 517 PARK AVENUE SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| 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 | $7K | $0 | $7K | 10.50% |
| 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 | 3.10% |
| 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 | $0 | $4K | 10.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHMENT | — | AFLAC | $2K | $0 | $2K | 9.83% |
| 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 | $1K | $0 | $1K | 25.01% |
| GREGORY L ULATOWSKI3 | 305 PLYMOUTH DR. SYRACUSE, NY 13206 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $134 | $0 | $134 | 6.81% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 416 | $68K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 670 | $159K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 670 | $177K |
| Other(5 contracts, 5 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 1,900 | $177K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.