| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 141 LONGWATER DRIVE STE 101 NORWELL, MA 02061 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | $5K | $77K | 2.85% |
| A J KUZNESKI JR INC3 Filed as: A.J. KUZNESKI JR. INC. | 27 N 6TH STREET INDIANA, PA 15701 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE. FLOOR 21 NEW YORK, NY 10173 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 4.30% |
| A J KUZNESKI JR INC3 Filed as: A.J. KUZNESKI JR. INC. | 27 N 6TH STREET INDIANA, PA 15701 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE. FLOOR 21 NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 4.06% |
| A J KUZNESKI JR INC3 Filed as: A.J. KUZNESKI JR. INC. | 27 N 6TH STREET INDIANA, PA 15701 | KAISER FOUNDATION HEALTH PLAN, INC. | $602 | — | $602 | 0.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE. FLOOR 21 NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.12% |
| A J KUZNESKI JR INC3 Filed as: A.J. KUZNESKI JR. INC. | 27 N 6TH STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $423 | — | $423 | 1.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $227 | $227 | 0.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE. FLOOR 21 NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $5K | 14.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $210 | $210 | 0.65% |
| A J KUZNESKI JR INC3 Filed as: A.J. KUZNESKI JR. INC. | 27 N 6TH STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $145 | — | $145 | 0.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE. FLOOR 21 NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 18.33% |
| A J KUZNESKI JR INC3 Filed as: A.J. KUZNESKI JR. INC. | 27 N 6TH STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $244 | — | $244 | 0.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $177 | $177 | 0.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE. FLOOR 21 NEW YORK, NY 10173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.00% |
| A J KUZNESKI JR INC3 Filed as: A.J. KUZNESKI JR. INC. | 27 N 6TH STREET INDIANA, PA 15701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $115 | — | $115 | 0.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $112 | $112 | 0.65% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 489 | $2.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $229K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 487 | $229K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $51K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $26K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 10 | $68K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.