| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9 | $3K | $3K | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $29K | $29K | 4.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | $0 | $20K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $10K | $10K | 1.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NJ 10173 | LINCOLN LIFE ASSURANCE COMPANY | $42K | $0 | $42K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | LINCOLN LIFE ASSURANCE COMPANY | $0 | $13K | $13K | 3.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE ASSURANCE COMPANY | $0 | $6K | $6K | 1.40% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGMENT LLC | 8081 KINGSTON PIKE KNOXVILLE, TN 37919 | RELIASTAR LIFE INSURANCE COMPANY | $40K | $18K | $57K | 16.28% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $14K | $14K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | RELIASTAR LIFE INSURANCE COMPANY | $14K | $0 | $14K | 3.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE NY LCC | C/0 DBA AGS BENEFITS GROUP LLC 340 MADISON AVE 21ST FL NEW YORK, NY 10010 | RELIASTAR LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $29K | $0 | $29K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $9K | $9K | 3.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $4K | $4K | 1.49% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | — | TRIPLE S SALUD INC | $3K | $0 | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $139 | $0 | $139 | 0.80% |
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 | 2,231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 235 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD INC | 11 | $73K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,506 | $1.0M |
| Vision | EYEMED | 2,473 | $223K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY | 2,247 | $421K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,145 | $658K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 768 | $287K |
| Prescription drug | TRIPLE S SALUD INC | 11 | $56K |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY | 2,347 | $893K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,473 | — |
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.