| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $309K | $309K | 3.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | $209K | — | $209K | 2.65% |
| PROCURED RISK SOLUTIONS, LLC3 | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUNLIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 5.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 2.44% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $588 | $588 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.3M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Other fees; Contract Administrator; Claims processing Service code 12 | — | $318K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $83K |
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 | 10,177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,590 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 317 | $2.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 19,329 | $5.5M |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 7,341 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 17,632 | $8.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 17,632 | $7.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 17,632 | $7.9M |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 317 | $2.2M |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 8,130 | $119K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12,985 | $577K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,329 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.