| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | BLUE CROSS BLUE SHIELD OF FLORIDA | $110K | $0 | $110K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 2600 KELLY RD WARRINGTON, PA 18976 | RELIASTAR LIFE INSURANCE COMPANY | $21K | $0 | $21K | 12.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | DELTA DENTAL INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COROPRATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $62 | $4K | 14.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $715 | $121 | $836 | 2.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICE INC | 1250 S CAPITAL OF TEXAS WHY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $217 | $0 | $217 | 0.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $877 | $71 | $948 | 6.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE | 1250 CAPITAL OF TEXAS HWY B2 STE 600 AUSTIN, TX 78746 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | $0 | $201 | 1.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS (MN), INC | 505 WATERFORD PARK HWY 169 NORTH STE 1100 PLYMOUTH, MN 55441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $29 | $1K | 9.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $691 | $0 | $691 | 5.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE | 1250 CAPITAL OF TX HWY B2 STE 600 AUSTIN, TX 78746 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS (MN), INC | 505 WATERFORD PARK HWY 169 NORTH STE 1100 PLYMOUTH, MN 55441 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | METLIFE LEGAL PLANS | $521 | $0 | $521 | 10.04% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 142 | $2.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 213 | $117K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $28K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 185 | $176K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 185 | $176K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 185 | $176K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 142 | $2.2M |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 213 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.