| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$26 | $4K | $4K | 0.06% |
| ALTERITY GROUP3 | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $782 | $782 | 1.03% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 825 3RD AVE 2ND FLOOR NEW YORK, NY 10022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $680 | $680 | 0.90% |
| ALTERITY GROUP3 | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $545 | $545 | 0.85% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 825 3RD AVE 2ND FL NEW YORK, NY 10022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $482 | $482 | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 20TH FL NEW YORK, NY 10173 | EYEMED VISION CARE | $6K | $0 | $6K | 10.88% |
| ALTERITY GROUP3 | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $405 | $405 | 1.02% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC. | 825 3RD AVE 2ND FLOOR NEW YORK, NY 10022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $334 | $334 | 0.84% |
| ALTERITY GROUP3 | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $42 | $42 | 0.99% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES INC | 825 3RD AVE 2ND FLOOR NEW YORK, NY 10022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $36 | $36 | 0.85% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,084 | $7.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,084 | $7.1M |
| Vision | EYEMED VISION CARE | 1,063 | $57K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 427 | $64K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 427 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 427 | $76K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,084 | $7.1M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 427 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,084 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.