| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL ROONEY3 Filed as: PAUL J ROONEY | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $119K | $0 | $119K | 2.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | $0 | $65K | 1.12% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $33K | $33K | 0.56% |
| PAUL ROONEY3 Filed as: PAUL J ROONEY | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | FIRST UNUM LIFE INSURANCE COMPANY | $14K | $4K | $18K | 9.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $940 | $3K | 1.77% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 2055 WOODSIDE RD STE 290 REDWOOD CITY, CA 94061 | FIRST UNUM LIFE INSURANCE COMPANY | -$7K | -$3K | -$10K | -5.13% |
| PAUL ROONEY3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 3.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 0.98% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | $528 | $0 | $528 | 0.32% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN INC | $511 | $0 | $511 | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $617 | $0 | $617 | 0.87% |
| PAUL ROONEY3 Filed as: PAUL J ROONEY | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $719 | $7K | 10.30% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 2055 WOODSIDE RD STE 290 REDWOOD CITY, CA 94061 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $76 | $2K | 3.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $74 | $19 | $93 | 0.13% |
| PAUL ROONEY3 Filed as: PAUL J ROONEY | 1 GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $764 | $0 | $764 | 21.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $45 | $0 | $45 | 1.26% |
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 | 681 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,210 | $6.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,210 | $5.9M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 681 | $186K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 681 | $186K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,210 | $6.0M |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 681 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,210 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.