| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | ALLWAYS HEALTH PARTNERS | $41K | $0 | $41K | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $3K | $0 | $3K | 2.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $985 | $57 | $1K | 4.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $166 | $3K | 15.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | HM LIFE INSURANCE COMPANY | $895 | $0 | $895 | 10.00% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLWAYS HEALTH PARTNERS | 125 | $1.7M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 256 | $110K |
| Vision | HM LIFE INSURANCE COMPANY | 74 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $22K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 29 | $23K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 189 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.