| 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 | CIGNA | $0 | $112K | $112K | 4.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE NY LLC | 34 MADISO AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $2K | $15K | 5.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 5.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $131 | $131 | 0.25% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | RELIASTAR LIFE INSURANCE COMPANY | $5K | $2K | $8K | 16.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $3K | $0 | $3K | 9.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAIN VIEW, NY 10173 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 10.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $84 | $84 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $43 | $43 | 0.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | PO BOX 9101 PLAIN VIEW, NY 11803 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $0 | $1K | 11.92% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $28 | $28 | 0.27% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 356 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 250 | $253K |
| Vision | EYEMED VISION CARE | 525 | $35K |
| Life insurance(2 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 393 | $32K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 289 | $53K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 289 | $35K |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 393 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.