| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $60 | $60 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $181K | $25K | $206K | 10.42% |
| SANKATY LIGHT BENEFITS INC3 | 13645 DEERING BAY DR #123 CORAL GABLES, FL 33158 | US FIRE INS CO | $0 | $12K | $12K | 20.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $60 | $60 | 0.11% |
| SANKATY LIGHT BENEFITS INC3 | 13645 DEERING BAY DR #123 CORAL GABLES, FL 33158 | US FIRE INS CO | $0 | $13K | $13K | 40.87% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $1K | $3K | 4014.29% |
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 | 5,407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 204 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 132 | $2.7M |
| Dental(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,830 | $3.5M |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 7,569 | $677K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,502 | $2.0M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,502 | $2.0M |
| Prescription drug(5 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 132 | $2.7M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,502 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,830 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.