| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $41 | $49K | 2.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35K | $35K | 1.85% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $79 | $5K | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $47K | $19K | $66K | 5.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $2K | $12K | 1.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $18K | $8K | $25K | 5.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $953 | $5K | 0.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DAVIS VISION | $5K | — | $5K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4 RADNOR CORPORATE CENTER SUITE 510 WAYNE, PA 190874551 | AETNA INTERNATIONAL | $12K | — | $12K | 6.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | HYATT LEGAL PLANS, INC. | $5K | — | $5K | 8.21% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS, INC. | $2K | — | $2K | 2.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | HYATT LEGAL PLANS, INC. | — | $41 | $41 | 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 | 1,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 58 | $190K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,272 | $2.1M |
| Vision | DAVIS VISION | 2,368 | $203K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,568 | $1.1M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,567 | $459K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,567 | $459K |
| Prescription drug | AETNA INTERNATIONAL | 58 | $190K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,272 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,272 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.