| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SERVICES LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | CALIFORNIA PHYSICIANS' SERVICES | $12K | — | $12K | 6.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $245 | $3K | 14.59% |
| 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 | — | $306 | $306 | 1.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $992 | $117 | $1K | 12.29% |
| 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 | — | $146 | $146 | 1.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FL AUSTIN, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $913 | $95 | $1K | 12.15% |
| 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 | — | $119 | $119 | 1.43% |
| NFP INSURANCE SERVICES INC3 | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | — | $0 | — |
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 | 88 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICES | 39 | $191K |
| Dental(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICES | 39 | $191K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 47 | $8K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 47 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 47 | $22K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICES | 39 | $191K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 47 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.