| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RETAIL BUSINESS SERVICES | 145 PLEASANT HILL ROAD SCARBOROUGH, ME 04074 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64K | $64K | 0.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) IN | 1901 ROXBOROUGH RD STR 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $111K | $20K | $131K | 6.11% |
| KEVIN M STEIN3 | 3181 DOGWOOD DR NW DOVER, OH 44622 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $111K | — | $111K | 5.18% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH AND BENEFITS | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | AVALON INSURANCE COMPANY | $50K | — | $50K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104K | $20K | $124K | 13.29% |
| KEVIN M STEIN3 | 3181 DOGWOOD DR NW DOVER, OH 44622 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104K | — | $104K | 11.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RS STE 30 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 9.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STRE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $862 | — | $862 | 0.51% |
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 | 11,883 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 11,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 53,454 | $104.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 26,790 | $16.7M |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 15,024 | $791K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,790 | $16.9M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 26,790 | $17.2M |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,790 | $17.8M |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 12,000 | $999K |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 53,454 | $19.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 53,454 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.