| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 255 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.03% |
| DAVID DE PAULO3 | 228 CHURCH STREET SARATOGA SPRINGS, NY 12866 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 56.07% |
| BILL BREHENY3 | 17 BELLFLOWER ROAD BALSTON SPA, NY 12020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $587 | — | $587 | 3.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 255 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.12% |
| DAVID DE PAULO3 | 228 CHURCH STREET SARATOGA SPRINGS, NY 12866 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 40.41% |
| BILL BREHENY3 | 17 BELLFLOWER ROAD BALSTON SPA, NY 12020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 2.14% |
| DAVID DE PAULO3 Filed as: DAVID M DEPAULO | 7 WELLS STREET, SUITE 102 SARATOGA SPRINGS, NY 12866 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 52.24% |
| WILLIAM F BREHENY3 | 623 NEW LOUDON ROAD LATHAM, NY 12110 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $94 | — | $94 | 2.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $84 | — | $84 | 2.95% |
| DAVID DE PAULO3 Filed as: DAVID M DEPAULO | 7 WELLS STREET, SUITE 102 SARATOGA SPRINGS, NY 12866 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 80.73% |
| WILLIAM F BREHENY3 | 623 NEW LOUDON ROAD LATHAM, NY 12110 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $93 | — | $93 | 4.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF VT EIN 03-0277307 CONTRACT ADMINISTRATOR | Insurance services; Claims processing; Contract Administrator Service code 12 | — | $51K |
| NFP CORPORATE SERVICES (NY) LLC BROKER | Insurance brokerage commissions and fees Service code 53 | PO BOX 2343 SOUTH BURLINGTON, VT 05403 | $24K |
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 | 136 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 96 | $59K |
| Vision | STANDARD INSURANCE COMPANY | 96 | $3K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 136 | $30K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 20 | $10K |
| Long-term disability | STANDARD INSURANCE COMPANY | 136 | $19K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF VERMONT | 140 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.