| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY CASUALTY SVCS INC | 1 NORTH STREET ONACOCK, VA 23417 | HARTFORD LIFE AND ACCIDENT06-0838646 | $38K | $0 | $38K | 10.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES(TX) LLC | 1250 S CAPITAL OF TEXAS HWY STE 600 BLDG 2 AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT06-0838646 | $0 | $19K | $19K | 5.37% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | HARTFORD LIFE AND ACCIDENT06-0838646 | $0 | $17K | $17K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRINGS DR STE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.40% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LCC | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.62% |
| BRITTON JOHNSON3 | 6531 TWIN FALLS CT SUITE 1 COLORADO SPRINGS, CO 809245317 | TRANSAMERICA LIFE INSURANCE COMPANY | $33 | $0 | $33 | 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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 397 | $60K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT06-0838646 | 448 | $393K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT06-0838646 | 448 | $345K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT06-0838646 | 448 | $345K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT06-0838646 | 448 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.