| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $146K | $152K | 4.20% |
| AGS BENEFITS GROUP LLC3 | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | SUNLIFE ASSURANCE COMPANY OF CANADA | $26K | $5K | $31K | 16.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2, SUITE 125 AUSTIN, TX 78746 | SUNLIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 0.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 5.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL OF TENNESSEE | $5K | $0 | $5K | 10.00% |
| GREG GRIFFITH3 | 393 TENNESSEE MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $953 | $56 | $1K | 7.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $485 | $0 | $485 | 3.49% |
| STEPHEN CORRIVEAU3 | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $334 | $29 | $363 | 2.61% |
| MELISSA J LINDSEY3 | 152 HARRIS RD SMITHFIELD, RI 02917 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $6 | $134 | 0.96% |
| ENROLLMENT SOLUTIONS LTD3 | 14 WUNSCHEL DR SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $13 | $113 | 0.81% |
| DAVID L FLEURY3 | 545 SOUTH WATER ST PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $11 | $76 | 0.55% |
| DAVID P SMELTSER3 | 720 BLUE BONNETT DR BOLIVAR, TN 38008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.36% |
| ZACHARY A FOWL3 | 38 S MAIN STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.10% |
| JASON HARTMAN3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.04% |
| JEFFERY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED CONCORDIA COMPANIES INC. | $167 | $0 | $167 | 6.99% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | UNITED CONCORDIA COMPANIES INC. | $0 | $167 | $167 | 6.99% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 481 | $3.7M |
| Dental(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 481 | $3.7M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 481 | $3.6M |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 272 | $198K |
| Short-term disability(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 272 | $198K |
| Long-term disability(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 272 | $198K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 272 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.