| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 11.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 11.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 11.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $358 | $8K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 2OTH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $2K | $0 | $2K | 5.56% |
| PRITCHARD & JERDEN INC3 Filed as: PRITCHARD & JERDEN | 950 EAST PACES FERRY RD NE STE. 2000 ATLANTA, GA 30326 | EYEMED VISION CARE | $235 | $0 | $235 | 0.57% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | PO BOX 724137 ATLANTA, GA 30374 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $561 | $5K | 12.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $175 | $2K | 4.04% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | PO BOX 724137 ATLANTA, GA 31139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $6 | $4K | 12.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $14 | $163 | 0.55% |
| ASSUREX3 | 175 SOUTH 3RD ST STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5 | $5 | 0.02% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD | PO BOX 724137 ATLANTA, GA 30374 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $371 | $3K | 14.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $604 | $80 | $684 | 2.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | DELTA DENTAL INSURANCE COMPANY | $37K | $0 | $37K | — |
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 | 510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 901 | $0 |
| Vision | EYEMED VISION CARE | 813 | $41K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 478 | $235K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 478 | $117K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 478 | $138K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 478 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.