| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 80 INTERNATIONAL DR, STE 425 GREENVILLE, SC 29615 | HARTFORD LIFE AND ACCIDENT | $274K | — | $274K | 7.17% |
| KEVIN M STEIN3 Filed as: KEVIN STEIN | 3181 DOGWOOD DR NW DOVER, OH 44622 | HARTFORD LIFE AND ACCIDENT | $274K | — | $274K | 7.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 1901 ROXBOROUGH RD, SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $26K | $26K | 0.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $191K | — | $191K | 10.12% |
| KEVIN M STEIN3 | 3181 DOGWOOD DRIVE NW DOVER, OH 44622 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $191K | — | $191K | 10.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH ROAD, SUITE 30 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $19K | — | $19K | 3.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD, STE 300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 8.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 80 INTERNATIONAL DR, STE 425 GREENVILLE, SC 29615 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 12.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 1901 ROXBOROUGH RD, STE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.44% |
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 | 83,582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 438 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 84,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84,717 | $2.7M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 28,494 | $19.9M |
| Vision(7 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 14,131 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 28,494 | $10.8M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 8,752 | $4.0M |
| Long-term disability(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 28,494 | $14.4M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 84,717 | $10.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84,717 | — |
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.