| 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 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $23K | $23K | 3.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $14K | — | $14K | 4.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 14 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $48 | $10K | 4.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $573 | $573 | 0.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | — | $7K | 4.44% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 14 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $6K | — | $6K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 22.28% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES DIV 14 LLC 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.09% |
| RT CONSULTING LLC3 Filed as: RT CONSULTING OF THE NORTHEAST | 4 MAIN STREET PETERBOROUGH, NH 03458 | TRANSAMERICA LIFE INSURANCE COMPANY | $508 | — | $508 | 1.25% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA LIFE INSURANCE COMPANY | $450 | — | $450 | 1.11% |
| PHILIP HEALY3 Filed as: PHILIP B HEALY | 4 MAIN STREET PETERBOROUGH, NH 03458 | TRANSAMERICA LIFE INSURANCE COMPANY | $371 | — | $371 | 0.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTERNATIONAL GULF SOUTH LI 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | TRANSAMERICA LIFE INSURANCE COMPANY | $281 | — | $281 | 0.69% |
| HIBERNIA INSURANCE AGENCY, LLC3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70001 | TRANSAMERICA LIFE INSURANCE COMPANY | $122 | — | $122 | 0.30% |
| JAMES BRYAN WAGNER3 Filed as: JAMES B WAGNER | 650 POYDRAS STREET SUITE 2247 NEW ORLEANS, LA 70130 | TRANSAMERICA LIFE INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | TRANSAMERICA LIFE INSURANCE COMPANY | -$164 | — | -$164 | -0.40% |
| PHILIP HEALY3 Filed as: PHILIP B HEALY | 4 MAIN STREET PETERBOROUGH, NH 03458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 16.45% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.88% |
| BENJAMIN ROBINSON3 | 116 ONYX STREET LAFAYETTE, LA 70506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310 | — | $310 | 0.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 700 NORTH PEARL STREET SUITE 1700 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.11% |
| PHILIP HEALY3 Filed as: PHILIP B HEALY | 4 MAIN STREET PETERBOROUGH, NH 03458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $367 | — | $367 | 14.48% |
| BENJAMIN ROBINSON3 | 116 ONYX STREET LAFAYETTE, LA 70506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $247 | — | $247 | 9.74% |
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 | 1,763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,402 | $915K |
| Vision | VISION SERVICE PLAN | 1,237 | $119K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,174 | $215K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 665 | $152K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,753 | $317K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,437 | $608K |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,600 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,600 | — |
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.