| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MA) LLC | 141 LONGWATER DR STE 101 NORWELL, MA 02061 | UNITEDHEALTHCARE INSURANCE COMPANY | $125K | $43K | $168K | 2.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $1K | $13K | 16.30% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $874 | $874 | 1.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $824 | $10K | 16.32% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $687 | $687 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | FIRST RELIANCE STANDARD | $6K | $427 | $7K | 21.34% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD | $0 | $352 | $352 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $332 | $4K | 16.35% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $277 | $277 | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $127 | $2K | 16.16% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $106 | $106 | 0.98% |
| 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 | $632 | $31 | $663 | 20.98% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $25 | $25 | 0.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | FIRST RELIANCE STANDARD | $265 | $7 | $272 | 20.51% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD | $0 | $5 | $5 | 0.38% |
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 | 924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 924 | $5.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 924 | $5.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 924 | $5.7M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 271 | $81K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $62K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $25K |
| Other(4 contracts, 2 carriers) | FIRST RELIANCE STANDARD | 395 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 924 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.