| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 0.46% |
| GIS BENEFITS INC3 | 422 WAUPONSSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 6.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $187 | $13K | 5.24% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P O BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVENUE ROOM 3202 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.90% |
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 380 | $2.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 380 | $2.7M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 380 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 380 | $243K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 380 | $243K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 380 | $243K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 380 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.