| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNITED HEALTHCARE INSURANCE COMPANY | $255K | $0 | $255K | 5.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MA LLC | 141 LONGWATER DR STE 101 NORWELL, MA 02061 | UNITED HEALTHCARE INSURANCE COMPANY | $74K | $0 | $74K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 2.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE STE 3202 NEW YORK, NY 10166 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE RM 3202 NEW YORK, NY 10166 | VISION SERVICE PLAN | $821 | $0 | $821 | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $711 | $0 | $711 | 3.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | METLIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | METLIFE LEGAL PLAN | $471 | $0 | $471 | 8.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METLIFE LEGAL PLAN | $4 | $0 | $4 | 0.07% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 339 | $4.5M |
| Vision | VISION SERVICE PLAN | 249 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 174 | $206K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 174 | $206K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 174 | $206K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 174 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.