| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL, NEW ENGLAND | 299 BALLARDVALE STREET, SUITE 1 WILMINGTON, MA 01887 | HEALTH NEW ENGLAND, INC. | $27K | — | $27K | 1.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $27 | $9K | $9K | 0.96% |
| 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 | $180 | $9K | 0.92% |
| 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 | $8K | $0 | $8K | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.61% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 1.57% |
| VISION SERVICE PLAN3 | PO BOX 385018 BIRMINGHAM, AL 352385018 | VISION SERVICE PLAN | — | $26K | $26K | 12.00% |
| AMERICAN BENEFITS INSURANCE CORP3 | PO BOX 1209 NORTHAMPTON, MA 01061 | ALTUS DENTAL INSURANCE COMPANY, INC. | $2K | — | $2K | 4.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX 2158 RIVERSIDE, PA 92506 | ALTUS DENTAL INSURANCE COMPANY, INC. | $1K | — | $1K | 2.94% |
| VISION SERVICE PLAN3 | PO BOX 385018 BIRMINGHAM, AL 352385018 | VISION SERVICE PLAN | — | $2K | $2K | 44.90% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | VISION SERVICE PLAN | $99 | — | $99 | 2.17% |
| VISION SERVICE PLAN3 | PO BOX 385018 BIRMINGHAM, AL 352385018 | VISION SERVICE PLAN | — | $510 | $510 | 116.44% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031703 | VISION SERVICE PLAN | $128 | — | $128 | 29.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $1.1M |
| AETNA BEHAVIORAL HEALTH, LLC EIN 51-0020405 PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $39K |
| HEALTH AND HUMAN RESOURCE CENTER EIN 33-0052273 PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE RSSA HARTFORD, CT 06156 | $189 |
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 | 1,954 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 94 | $1.5M |
| Dental(2 contracts, 2 carriers) | ALTUS DENTAL INSURANCE COMPANY, INC. | 129 | $88K |
| Vision(3 contracts) | VISION SERVICE PLAN | 1,597 | $224K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,934 | $963K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 764 | $383K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,934 | $963K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,934 | — |
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.