| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THORBAHN & ASSOCIATES3 Filed as: THORBAHN AND ASSOC. INSURANCE AGENC | 141 LONGWATER DRIVE STE 101 NORWELL, MA 02061 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $34K | $37K | 1.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $32K | $34K | 1.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 12.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $184 | $6K | 25.76% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $230 | $230 | 0.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $93 | $2K | 15.87% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $116 | $116 | 1.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $511 | $34 | $545 | 15.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $42 | $42 | 1.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NE 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $847 | $30 | $877 | 25.88% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $37 | $37 | 1.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $40 | $8 | $48 | 17.98% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10 | $10 | 3.75% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $104K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $79K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $79K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.