| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MA) LLC | 141 LONGWATER DR STE 101 NORWELL, MA 020611620 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $78K | $78K | 6.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $910 | $3K | 19.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE RM 3202 NEW YORK, NY 10166 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $253 | $253 | 1.39% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $169 | $169 | 0.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | EYEMED VISION CARE | $981 | $0 | $981 | 6.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | PO BOX 786677 PHILADELPHIA, PA 91786 | EYEMED VISION CARE | $498 | $0 | $498 | 3.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE | $2K | $707 | $3K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 200 PARK AVENUE RM 3202 NEW YORK, NY 10166 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $87 | $87 | 0.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $58 | $58 | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE | $2K | $571 | $2K | 19.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 200 PARK AVENUE RM 3202 NEW YORK, NY 10166 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $81 | $81 | 0.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $54 | $54 | 0.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE | $907 | $362 | $1K | 17.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 200 PARK AVENUE RM 3202 NEW YORK, NY 10166 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $100 | $100 | 1.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $67 | $67 | 0.92% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $1.2M |
| Vision | EYEMED VISION CARE | 214 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE | 148 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $18K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE | 148 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.