| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $37K | — | $37K | 0.10% |
| PBIRX, INC.3 Filed as: PBIRX INC. | 612 WHEELERS FARMS ROAD MILFORD, CT 06461 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $28K | — | $28K | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE ROOM 3202, 21ST FLOOR NEW YORK, NY 10166 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $10K | $28K | 10.48% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE 32ND FLOOR NEW YORK, NY 10166 | VISION SERVICE PLAN | $2K | — | $2K | 1.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | — | $2K | 5.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | — | $2K | 3.40% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVENUE SUITE 531 NEW YORK, NY 10170 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $171 | $171 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $14 | $14 | 0.03% |
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 | 1,650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 3,813 | $37.2M |
| Dental(2 contracts) | DELTA DENTAL OF RHODE ISLAND | 3,538 | $0 |
| Vision | VISION SERVICE PLAN | 1,272 | $216K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 429 | $267K |
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 170 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,813 | — |
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."
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.