| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 8.23% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 176 FEDERAL STREET, FL MEZZ BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 9.20% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS, FL 36 NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.51% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.68% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $4K | — | $4K | 9.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $318 | — | $318 | 0.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $393K |
| DELTA DENTAL OF MASSACHUSETTS EIN 04-6143185 ADMINISTRATOR | Contract Administrator Service code 13 | — | $65K |
| NFP CORPORATE SERVICES (NY) LLC BROKER | Insurance agents and brokers Service code 22 | 340 MADISON AVENUE, 21 FL NEW YORK, NY 10173 | $16K |
| KGA ADMINISTRATOR | Contract Administrator Service code 13 | 161 WORCESTER ROAD, 409 FRAMINGHAM, MA 01701 | $15K |
| BENEFIT STRATEGIES LLC ADMINISTRATOR | Contract Administrator Service code 13 | 967 ELM STREET 888-401-3539 MANCHESTER, NH 03101 | $14K |
| LOCKTON COMPANIES, LLC BROKER | Insurance agents and brokers Service code 22 | 444 WEST 47TH ST., 900 KANSAS CITY, MO 64112 | $6K |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 618 | $42K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 676 | $477K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 429 | $193K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 676 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.