| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SRVICES NY LLC | 200 PARK AVENUE SUITE 3202 NEW YORK, NY 10166 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $733 | $5K | 6.36% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CA 06492 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | SYMETRA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 16.80% |
| ROBIN H. ALSTON3 | PO BOX 82876 ATLANTA, GA 30354 | SYMETRA LIFE INSURANCE COMPANY | $528 | $567 | $1K | 2.03% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 16.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.61% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 8 FLETCHER PL MELVILLE, NY 11747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $425 | $0 | $425 | 1.61% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $280 | $106 | $386 | 1.46% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $341 | $8 | $349 | 1.32% |
| LAWRENCE R. ESTRIDGE3 | 9 MELISSA TERRACE MIDDLETOWN, NY 10941 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 0.88% |
| ISABEL BERARTEZ3 | 2941 ASPEN DR ABILENE, TX 79601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.07% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $83K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $83K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 19 | $26K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $54K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 19 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.