| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE, 21ST FL. NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 8.88% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY. WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 200 PARK AVE., STE. 3202 NEW YORK, NY 10166 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 4.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC. EIN 04-2734278 MEDICAL TPA | Other services; Claims processing Service code 12 | — | $335K |
| HILB GROUP NEW ENGLAND BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | $215K |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 570 | $206K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE | 436 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $212K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $212K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $212K |
| Stop-loss / reinsurancereinsurance | PROSELECT INSURANCE COMPANY DBA COVERYS | 350 | $1.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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."
No prospect flags tripped on this filing.