| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM AUSTIN3 Filed as: WILLIAM P. AUSTIN | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $55K | $0 | $55K | 1.02% |
| JOHN E CUMMINGS3 Filed as: JOHN MICHAEL SPOONER | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | $0 | $26K | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN INC | $27K | $0 | $27K | 1.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 0.64% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP, LLC | 8777 NORTH GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 2.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 2-125 WEST LAKE HILLS, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 0.44% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP, LLC | 521 FIFTH AVENUE, 15TH FLOOR NEW YORK, NY 10175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, TX 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY WEST LAKE HILLS, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $981 | $981 | 0.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $503 | $0 | $503 | 0.14% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 876 | $6.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $348K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 857 | $617K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 857 | $617K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 857 | $617K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 857 | $617K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 876 | $6.9M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 857 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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.