| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $60 | $18K | 1.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 200 PARK AVENUE ROOM 3202 ATTN ACCOUNTING NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 1.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $17K | $58K | 7.00% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | $0 | $84K | 20.14% |
| MML INS AGENCY LLC3 Filed as: MML INS AGENCY INC | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 2.51% |
| PETER LIZOTTE3 | 4601 WILLSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 1.43% |
| LPL FINANCIAL CORP3 Filed as: LPL FINNANCIAL CORP | PO BOX 509026 SAN DIEGO, CA 92150 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.86% |
| WILLIAM BEAR3 | 12 GEORGETOWN CT ALGONQUIN, IA 60102 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | AETNA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 12.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $60 | $10K | 9.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 200 PARK AVENUE ROOM 3202 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787456446 | METROPOLITAN LIFE INSURANCE COMPANY | $859 | $0 | $859 | 0.80% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $8K | $33K | 38.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY | $3K | $1K | $5K | 6.35% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9K | $6K | $15K | 19.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $260 | $0 | $260 | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $78 | $78 | 0.10% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOLS PKWY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $11K | $5K | $16K | 29.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 ATTN ACCOUNTING NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $60 | $10K | 20.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 200 PARK AVENUE ROOM 3202 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $901 | $901 | 1.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $430 | $0 | $430 | 0.85% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $5K | $13K | 26.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $190 | $0 | $190 | 0.38% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $174 | $174 | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 5.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 3.35% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVENUE SUITE 531 NEW YORK, NY 10170 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $163 | $163 | 0.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | TWO EMBARCADERO CENTER STE 1700 SAN FRANCISCO, CA 94111 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $117 | $117 | 0.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $60 | $6K | 18.32% |
| NFP INSURANCE SERVICES INC3 | 200 PARK AVENUE ROOM 3202 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $610 | $610 | 1.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $280 | $0 | $280 | 0.81% |
| TRAPANI DICKINS & ASSOCIATES3 | 515 S FLOWER ST STE3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FLOOR 21 NEW YORK, NY 10173 | AETNA INTERNATIONAL | $661 | $0 | $661 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 12TH FLOOR NEW YORK, NY 10173 | ZURICH AMERICAN INSURANCE COMPANY | $799 | $0 | $799 | 15.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185 | $0 | $185 | 4.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $122 | $122 | 2.69% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI, PHILIP C/O RUGGIERI CONSU | 355 LEXINGTON AVE 22FL NEW YORK, NY 10017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98 | $0 | $98 | 2.16% |
| SIMON PASTON AND SONS AGENCY3 | 381 SUNRISE HIGHWAY 4TH FLOOR LYNBROOK, NY 11563 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $31 | $0 | $31 | 1.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $60 | $60 | — |
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 | 1,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 500 | $403K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 280 | $293K |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,042 | $366K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,621 | $1.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,275 | $833K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,275 | $833K |
| Other(16 contracts, 11 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,621 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,621 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.