| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $893 | $8K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, INC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $709 | $6K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $917 | $7K | — |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | — |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | FIRST UNUM LIFE INSURANCE COMPANY | $480 | — | $480 | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $323 | — | $323 | — |
| BLOCK, CHARLES, D3 | 648 VILLAGE PARK DRIVE WILMINGTON, NC 28405 | FIRST UNUM LIFE INSURANCE COMPANY | $162 | — | $162 | — |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 10036 | OXFORD HEALTH INSURANCE | $13K | — | $13K | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE STE S-229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE | — | $3K | $3K | — |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 100368401 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | — | $59K | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | — |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 626 | $0 |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 48 | $0 |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 58 | $0 |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 58 | $0 |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 32 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.