| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | — | RELIANCEMATRIX | $25K | — | $25K | 8.90% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICE | — | RELIANCEMATRIX | $8K | — | $8K | 3.03% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | — | RELIANCE STANDARD | $6K | $2K | $8K | 20.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | — | RELIANCE STANDARD | $2K | — | $2K | 4.26% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | — | RELIANCE STANDARD | $3K | $790 | $4K | 22.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | — | RELIANCE STANDARD | $322 | — | $322 | 2.04% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | — | RELIANCE STANDARD | $2K | $448 | $2K | 23.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | — | RELIANCE STANDARD | $547 | — | $547 | 6.10% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | — | RELIANCE STANDARD | $1K | — | $1K | 17.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | — | RELIANCE STANDARD | $395 | — | $395 | 4.98% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | — | RELIANCE STANDARD | $1K | $340 | $2K | 24.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | — | RELIANCE STANDARD | $396 | — | $396 | 5.82% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | — | RELIANCE STANDARD | $924 | $254 | $1K | 23.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | — | RELIANCE STANDARD | $90 | — | $90 | 1.78% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | — | RELIANCE STANDARD | $575 | $182 | $757 | 20.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | — | RELIANCE STANDARD | $153 | — | $153 | 4.20% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | — | RELIANCE STANDARD | $461 | $146 | $607 | 20.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | — | RELIANCE STANDARD | $123 | — | $123 | 4.21% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | RELIANCE STANDARD | 76 | $24K |
| Dental | RELIANCEMATRIX | 530 | $277K |
| Vision | RELIANCEMATRIX | 530 | $277K |
| Life insurance | RELIANCE STANDARD | 319 | $36K |
| Short-term disability | RELIANCE STANDARD | 62 | $5K |
| Long-term disability | RELIANCE STANDARD | 43 | $16K |
| Other(5 contracts) | RELIANCE STANDARD | 319 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.