| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 | SOUTHPOINT BOULEVARD SUITE 201 JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE CO. | $1.1M | — | $1.1M | 1.13% |
| NIP GROUP INC3 | 900 ROUTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE CO. | $392K | — | $392K | 0.41% |
| NIP GROUP INC3 | 900 ROUTE 9 NORTH WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.05% |
| NIP GROUP INC3 | 900 ROUTE 9 NORTH WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 5.66% |
| NIP GROUP INC3 | 900 RT 9 STE 203 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $164 | — | $164 | 0.29% |
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 | 44,323 | 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) | 44,323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 17,550 | $96.8M |
| Dental | AETNA LIFE INSURANCE CO. | 17,550 | $96.8M |
| Vision | AETNA LIFE INSURANCE CO. | 17,550 | $96.8M |
| Life insurance | AETNA LIFE INSURANCE CO. | 17,550 | $96.8M |
| Short-term disability(7 contracts) | STANDARD INSURANCE COMPANY | 2,647 | $1.2M |
| Long-term disability(9 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 17,550 | $98.0M |
| Other | AETNA LIFE INSURANCE CO. | 17,550 | $96.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,550 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.