| 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 | $19K | $18K | $37K | 4.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.71% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167K | $0 | $167K | 20.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $14K | $44K | 7.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AETNA INTERNATIONAL | $32K | $0 | $32K | 9.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 10.87% |
| PETER LIZOTTE3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 2.28% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $916 | $5K | 2.16% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.58% |
| WILLIAM BEAR3 | 12 GEORGETOWN COURT ALGONQUIN, IL 60102 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.49% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $18K | $10K | $28K | 23.54% |
| 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 | $284 | $0 | $284 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $92 | $92 | 0.08% |
| SIMON PASTON AND SONS AGENCY3 Filed as: SIMON PASTON & SONS AGY INC | 381 SUNRISE HIGHWAY 4TH FLOOR LYNBROOK, NY 11563 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $31 | $0 | $31 | 0.03% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $3K | $16K | 26.18% |
| 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 | $124 | $314 | 0.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES LLC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $425 | $0 | $425 | 0.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTOWN COMPANIES LLC | 2 EMBARCARDO CENTER SUITE 609 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METLIFE LEGAL PLANS | $3K | $886 | $4K | 13.98% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 42.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 350 HUDSON STREET 4TH FLR NEW YORK, NC 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $245 | $0 | $245 | 4.22% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING | 355 LEXINGTON AVENUE 22ND FLOOR NEW YORK, NY 10017 | FIRST UNUM LIFE INSURANCE COMPANY | $119 | $0 | $119 | 2.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 12TH FLOOR NEW YORK, NY 10173 | GERBER LIFE INSURANCE COMPANY | $536 | $0 | $536 | 14.99% |
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 | 1,135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 121 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 472 | $651K |
| Dental(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 234 | $666K |
| Vision(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 961 | $753K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,515 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,123 | $601K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,123 | $601K |
| Other(13 contracts, 11 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,515 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,515 | — |
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.