| 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 | $27K | $0 | $27K | 19.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVENUE RM 3202 NEW YORK, NY 10166 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.02% |
| 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 | $0 | $2K | $2K | 1.35% |
| 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 | $18K | $0 | $18K | 20.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.05% |
| 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 | $0 | $1K | $1K | 1.37% |
| 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 | $15K | $0 | $15K | 20.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVENUE RM 3202 NEW YORK, NY 10166 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.06% |
| 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 | $0 | $1K | $1K | 1.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $1K | $0 | $1K | 3.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 91786 | EYEMED VISION CARE | $279 | $0 | $279 | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 30.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 28.55% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | PO BOX 724137 ATLANTA, GA 31139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $142 | $4K | 27.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 9101 PLAINVIEW, NY 11803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $594 | $55 | $649 | 5.15% |
| ASSUREX3 | 175 SOUTH 3RD ST COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $119 | $119 | 0.95% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD, INC | PO BOX 724137 ATLANTA, GA 31139 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 394.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | DELTA DENTAL INSURANCE COMPANY | $27K | $0 | $27K | — |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 665 | $0 |
| Vision | EYEMED VISION CARE | 634 | $31K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 355 | $148K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 355 | $76K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 355 | $90K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 355 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.