| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $34 | $13K | $13K | 1.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $17 | $9K | 1.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S. CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 1.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.44% |
| VISION SERVICE PLAN3 | PO BOX 385018 BIRMINGHAM, AL 352385018 | VISION SERVICE PLAN | — | $39K | $39K | 10.69% |
| AMERICAN BENEFITS INSURANCE CORP3 | PO BOX 1209 NORTHAMPTON, MA 01061 | ALTUS DENTAL INSURANCE COMPANY, INC. | $4K | — | $4K | 6.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $1.6M |
| AETNA BEHAVIORAL HEALTH, LLC EIN 51-0020405 PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $40K |
| HEALTH AND HUMAN RESOURCE CENTER EIN 33-0052273 PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE RSSA HARTFORD, CT 06156 | $128 |
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 | 2,703 | 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) | 2,703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 89 | $1.5M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 153 | $53K |
| Vision | VISION SERVICE PLAN | 1,966 | $364K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,554 | $921K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 772 | $432K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,554 | $921K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,554 | — |
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.