| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES DBA | 8777 N GAINEY CENTER DR SUITE 25 SCOTTSDALE, AZ 85258 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.26% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $113 | $3K | 0.88% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | METROPOLITAN LIFE INSURANCE COMPANY | $588 | $0 | $588 | 0.20% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | UNITED OF OMAHA LIFE INSURANCE CO | $14K | $4K | $18K | 19.08% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC. | 8777 N GAINEY CENTER DR SUITE 25 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $6K | $6K | 6.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $2K | $2K | 1.81% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | UNITED OF OMAHA LIFE INSURANCE CO | $6K | $2K | $8K | 19.26% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC. | 8777 N GAINEY CENTER DR SUITE 25 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $2K | $2K | 6.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $745 | $745 | 1.89% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | UNITED OF OMAHA LIFE INSURANCE CO | $6K | $934 | $6K | 17.54% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC. | 8777 N GAINEY CENTER DR SUITE 25 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $2K | $2K | 6.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $415 | $415 | 1.13% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $946 | $4K | 17.89% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC. | 8777 N GAINEY CENTER DR SUITE 25 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $1K | $1K | 6.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $420 | $420 | 1.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INS DBA ARROW BEN ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 750004 PETALUMA, CA 94975 | $40K |
| NFP NATIONAL ACCOUNT SERVICES DBA A ADMINISTRATOR | Contract Administrator Service code 13 | 8777 N GAINEY CENTER DR, SUITE 260 SCOTTSDALE, AZ 85258 | $20K |
| EMERSON REID & CO INC. ADMINISTRATOR | Contract Administrator Service code 13 | 1787 SENTRY PARKWAY SUITE 320 BLDG BLUE BELL, PA 19422 | $3K |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 187 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 637 | $292K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 637 | $292K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 312 | $133K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 135 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 108 | $22K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 187 | $3.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 300 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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."
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.