| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 NEW YORK, NY 11803 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $44 | $22K | 2.23% |
| 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 | $21K | $21K | 2.14% |
| 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 | $10K | $0 | $10K | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $14K | $50K | 5.83% |
| MML INS AGENCY LLC3 Filed as: MML INS AGENCY INC | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $3K | $23K | 3.12% |
| PETER LIZOTTE3 | 4601 WILLSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 0.78% |
| LPL FINANCIAL CORP3 Filed as: LPL FINNANCIAL CORP | PO BOX 509026 SAN DIEGO, CA 92150 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.29% |
| WILLIAM BEAR3 | 12 GEORGETOWN CT ALGONQUIN, IA 60102 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.19% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $104K | $13K | $116K | 24.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | AETNA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 15.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $44 | $8K | 6.86% |
| 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 | 1.72% |
| 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 | $1K | $0 | $1K | 0.91% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $15K | $38K | 35.29% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $8K | $10K | $18K | 25.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $284 | $284 | 0.39% |
| 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 | $142 | $0 | $142 | 0.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.36% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOLS PKWY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12K | $9K | $21K | 37.49% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $8K | $16K | 29.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $381 | $381 | 0.71% |
| 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 | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $44 | $9K | 17.49% |
| 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 | $1K | $1K | 1.96% |
| 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 | $486 | $0 | $486 | 0.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 5.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 41 MADISON AVENUE 41ST FLOOR NEW YORK, NY 10010 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $44 | $44 | 0.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $44 | $5K | 12.57% |
| NFP INSURANCE SERVICES INC3 | 200 PARK AVENUE ROOM 3202 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $708 | $708 | 1.97% |
| 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 | $333 | $0 | $333 | 0.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVENUE 32ND FLOOR NEW YORK, NY 10166 | AETNA INTERNATIONAL | $1K | $0 | $1K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE SUITE 3202 NEW YORK, NY 10166 | ZURICH AMERICAN INSURANCE COMPANY | $716 | $0 | $716 | 15.00% |
| TRAPANI DICKINS & ASSOCIATES3 | 7 ROCKINGHORSE RD RANCHO PALOS VERDES, CA 90275 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102 | $0 | $102 | 3.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $258 | $258 | 8.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185 | $0 | $185 | 6.25% |
| 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 | $8 | $0 | $8 | 0.27% |
| SIMON PASTON AND SONS AGENCY3 | 381 SUNRISE HIGHWAY 4TH FLOOR LYNBROOK, NY 11563 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $31 | $0 | $31 | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | — |
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 | 1,260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 527 | $432K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 331 | $325K |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,075 | $389K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,585 | $1.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,322 | $850K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,322 | $850K |
| Other(17 contracts, 11 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,585 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,585 | — |
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.