| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY STE 200 WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE CO. | $201K | $0 | $201K | 1.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE CO. | $0 | $147K | $147K | 0.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON ST STE 2760 CHICAGO, IA 60661 | AETNA LIFE INSURANCE CO. | $0 | $78K | $78K | 0.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FLOOR 21 NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $50K | $33K | $83K | 6.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON STE 2760 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67K | $0 | $67K | 5.57% |
| PROFESSIONAL PENSIONS INC5 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $30K | $30K | 2.45% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.47% |
| BOSTON INSURANCE EMPLOYEE BENEFITS5 | 18 RESEARCH PKWY SUITE 1600 WALLINGFORD, CT 06492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $816 | $2K | $2K | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE FLOOR 21 NEW YORK, NY 10173 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | VISION SERVICE PLAN | $911 | $0 | $911 | 0.60% |
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 | 1,256 | 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) | 1,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 2,233 | $15.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,141 | $740K |
| Vision | VISION SERVICE PLAN | 969 | $151K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,256 | $1.2M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,256 | $1.2M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,256 | $1.2M |
| Prescription drug | AETNA LIFE INSURANCE CO. | 2,233 | $15.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,256 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,233 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.