| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $551K | $50K | $601K | 6.90% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK CO FMR LLC LOCKBOX WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $81K | $81K | 0.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $355 | $39K | 0.44% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL OF VIRGINIA | $91K | $0 | $91K | 1.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $48K | $0 | $48K | 3.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METLIFE LEGAL PLANS | $13K | $1K | $15K | 11.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | ZURICH AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
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 | 12,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 393 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,754 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AULTCARE INSURANCE COMPANY | 138 | $2.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 18,913 | $6.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 14,347 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 17,831 | $8.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 17,831 | $8.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 17,831 | $8.7M |
| Prescription drug | TOKIO MARINE PACIFIC INSURANCE LTD. | 49 | $139K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,831 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,913 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.