| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | AVALON INSURANCE COMPANY | $51K | — | $51K | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 29211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $119K | $25K | $144K | 5.63% |
| KEVIN M STEIN3 | 3181 DOGWOOD DR NW DOVER, OH 44622 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $119K | — | $119K | 4.65% |
| KEVIN M STEIN3 | 3181 DOGWOOD DR NW DOVER, OH 44622 | THE GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | $173K | — | $173K | 9.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | THE GAURDIAN LIFE INSURANCE COMPANY OF AMERICA | $173K | — | $173K | 9.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110K | $25K | $135K | 12.27% |
| KEVIN M STEIN3 | 3181 DOGWOOD DR NW DOVER, OH 44622 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110K | — | $110K | 10.00% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $24K | — | $24K | 4.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | — | $36K | 19.95% |
| 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 | $11K | — | $11K | 6.03% |
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 | 76,945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 526 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 77,471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 77,589 | $137.0M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 26,313 | $19.9M |
| Vision(10 contracts, 3 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 15,719 | $110.0M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 26,313 | $11.1M |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 26,313 | $11.8M |
| Stop-loss / reinsurancereinsurance(2 contracts) | AVALON INSURANCE COMPANY | 13,565 | $3.7M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 77,589 | $13.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77,589 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.