| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $10K | $1K | $11K | 6.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $910 | $10K | 16.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $758 | $758 | 1.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $413 | $4K | 11.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLD II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $344 | $344 | 0.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $423 | $3K | 11.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $353 | $353 | 1.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $250 | $2K | 11.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $209 | $209 | 1.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | HM LIFE INSURANCE COMPANY | $739 | $0 | $739 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $570 | $124 | $694 | 18.25% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $39 | $39 | 1.03% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 413 | $191K |
| Vision | HM LIFE INSURANCE COMPANY | 131 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 291 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $29K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 293 | $63K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 30 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.