| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 141 LONGWATER DR STE 101 NORWELL, MA 02061 | UNITEDHEALTHCARE INSURANCE COMPANY | $90K | $0 | $90K | 2.07% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97K | $48K | $145K | 33.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $11K | $2K | $13K | 3.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $9K | $2K | $10K | 3.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | BLUE SHIELD OF CALIFORNIA | $11K | $0 | $11K | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HARVARD PILGRIM HEALTH CARE | $4K | $689 | $5K | 4.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES NY LLC | 265 FRANKLIN STREET #1901 NEW YORK, NY 10173 | ALTUS DENTAL INSURANC COMPANY INC. | $4K | $0 | $4K | 6.40% |
| 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 | $879 | $4K | 6.47% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $733 | $733 | 1.16% |
| 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 | $4K | $572 | $5K | 11.29% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $477 | $477 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | ESI EMPLOYEE ASSISTANCE GROUP | $1K | $0 | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 200 PARK AVE 33ND FL NEW YORK, NY 10166 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES NY LLC | 200 PARK AVE 32ND FL PLAINVIEW, NY 10173 | VISION SERVICE PLAN | $529 | $0 | $529 | 8.72% |
| 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 | $595 | $71 | $666 | 12.32% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $59 | $59 | 1.09% |
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 | 768 | 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) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 330 | $5.4M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 330 | $4.4M |
| Vision(2 contracts) | VISION SERVICE PLAN | 229 | $25K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $63K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 288 | $432K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $41K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 330 | $4.6M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 288 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.