| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | ALLWAYS HEALTH PARTNERS | $41K | — | $41K | 1.93% |
| NFS CORPORATE SERVICES NY LLC3 | 340 MDISON AVE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASS | $6K | — | $6K | 3.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE | $2K | — | $2K | 8.60% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE | $236 | — | $236 | 1.11% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE | $2K | — | $2K | 10.62% |
| NFP INSURANCE SERVICES INC | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE | $217 | — | $217 | 1.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE | $3K | — | $3K | 14.14% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE | $205 | — | $205 | 1.11% |
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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 342 | $2.1M |
| Dental(2 contracts, 2 carriers) | ALLWAYS HEALTH PARTNERS | 343 | $2.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $59K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 100 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE | 100 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 100 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.