| 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 | $14K | $3K | $16K | 11.93% |
| 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 | $630 | $4K | 17.57% |
| 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 | 14.61% |
| 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 | 25.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | $42 | $232 | 1.88% |
| 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 | $212 | $0 | $212 | 1.72% |
| 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 | $51 | $0 | $51 | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $275 | $57 | $332 | 3.59% |
| 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 | $72 | $0 | $72 | 0.78% |
| 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 | $9 | $0 | $9 | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 2600 KELLY RD SUITE 300 WARRINGTON, PA 18976 | METLIFE LEGAL PLANS | $607 | $0 | $607 | 9.32% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | 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 | 119 | $2.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 180 | $111K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $25K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 134 | $137K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 134 | $137K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 134 | $137K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 119 | $2.2M |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 136 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
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.