| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 1250 S. CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY | — | $8K | $8K | 0.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 1250 S. CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY | — | $9K | $9K | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERIVCES | 1250 S. CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY | — | $7K | $7K | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP, SE | 3445 PEACHTREE ROAD, SUITE 200 ATLANTA, GA 30326 | TRUSTMARK INSURANCE COMPANY | $198K | — | $198K | 38.12% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW DRIVE #281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $34K | — | $34K | 6.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10010 | RELIASTAR LIFE INSURANCE COMPANY | $211K | $14K | $224K | 67.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METLIFE LEGAL PLANS | $3K | — | $3K | 4.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | METLIFE LEGAL PLANS | $2K | — | $2K | 3.17% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVE SUITE 531 NEW YORK, NC 10170 | METLIFE LEGAL PLANS | — | $276 | $276 | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE NY LLC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | METLIFE LEGAL PLANS | — | $59 | $59 | 0.09% |
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 | 3,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 63 | $568K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,266 | $1.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,195 | $293K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY | 3,279 | $1.2M |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY | 3,279 | $939K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY | 3,524 | $871K |
| Other(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 846 | $921K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,524 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.