| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY GROUP3 | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $12K | $31K | 4.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 4.18% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203334 FLORIDA LOCKBOX DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 0.82% |
| ALTERITY GROUP3 | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $6K | $15K | 4.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 2.52% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203334 FLORIDA LOCKBOX DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.47% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER VOLUNTARY BENEFITS | 12321 MEREDITH DRIVE URBANDALE, ID 50398 | METRTOPOLITAN LIFE INSURANCE COMPANY | — | $38K | $38K | 14.07% |
| BENEFITS INC3 | 9301 SOUTHWEST FREEWAY SUITE 270 HOUSTON, TX 770741586 | METRTOPOLITAN LIFE INSURANCE COMPANY | $6K | $392 | $7K | 2.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 606614563 | METRTOPOLITAN LIFE INSURANCE COMPANY | $1K | $12 | $1K | 0.46% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 787466446 | METRTOPOLITAN LIFE INSURANCE COMPANY | $840 | — | $840 | 0.31% |
| ALTERITY GROUP3 | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $5K | $13K | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 2.55% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203334 FLORIDA LOCKBOX DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | TRANSAMERICA | $65K | — | $65K | 35.61% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | TRANSAMERICA | $5K | — | $5K | 2.86% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 100 NE 3RD AVENUE SUITE 600 FORT LAUDERDALE, FL 33301 | TRANSAMERICA | $1K | — | $1K | 0.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | EYEMED | $15K | — | $15K | 14.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | EYEMED | $139 | — | $139 | 0.31% |
| ALTERITY GROUP3 | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $720 | $2K | 4.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $973 | — | $973 | 2.53% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203334 FLORIDA LOCKBOX DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $255 | — | $255 | 0.66% |
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 | 1,840 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED | 3,514 | $147K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,138 | $570K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,548 | $626K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,510 | $260K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA | 2,489 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,514 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.