| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE FL 21 NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | $2K | $53K | 7.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10193 | NORTHEAST DELTA DENTAL OF VERMONT, INC. | $4K | — | $4K | 4.60% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | NORTHEAST DELTA DENTAL OF VERMONT, INC. | $1K | — | $1K | 1.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SERVICES NY, LLC | PO BOX 9101 PLANVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 20.98% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 9.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 1909 PLAINVIEW, NY 11803 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $967 | $4K | 21.04% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $967 | $773 | $2K | 9.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FL NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $840 | $3K | 15.87% |
| COMBINED SERVICES LLC3 | 2 DELTA DR, SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $840 | $672 | $2K | 9.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | — | VISION SERVICE PLAN | $1K | — | $1K | 6.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM INSURANCE COMPANY | $1K | $429 | $2K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNUM INSURANCE COMPANY | $927 | $389 | $1K | 15.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PROVIDER | Contract Administrator Service code 13 | — | $88K |
| CIGNA | Float revenue; Direct payment from the plan; Contract Administrator; Other services; Non-monetary compensation; Named fiduciary; Participant communication; Claims processing Service code 12 | — | $0 |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $707K |
| Dental | NORTHEAST DELTA DENTAL OF VERMONT, INC. | 142 | $81K |
| Vision | VISION SERVICE PLAN | 101 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $17K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $41K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $707K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.