| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION - B39Z2QMZC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FALLON HEATLH | $66K | — | $66K | 1.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - B39Z2QMZC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $22K | — | $22K | 2.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - B39Z2QMZC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FALLON HEALTH & LIFE ASSURANCE COMPANY | $22K | — | $22K | 2.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | — | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $14K | $1K | $16K | 5.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY)LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $3K | $314 | $3K | 5.53% |
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 | 514 | 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) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | FALLON HEATLH | 732 | $7.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,070 | $92K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,177 | $287K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 422 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,177 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.