| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | UNKNOWN PLAINVIEW, NY 11803 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| ASA P HAZEN3 Filed as: ASA HAZEN | 104 DANN DRIVE STAMFORD, CT 06905 | AFLAC | $765 | $0 | $765 | 6.68% |
| MJ INSURANCE3 Filed as: RABIA EBRAHIM AND VARIOUS AGENTS | 38 KATHWOOD ROAD WHITE PLAINS, NY 10607 | AFLAC | $335 | $0 | $335 | 2.92% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 E PUTNAM AVENUE RIVERSIDE, CT 06878 | AFLAC | $226 | $0 | $226 | 1.97% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER AUSTERMANN | 41 NEW LONDON TURNPIKE, SUITE B GLASTONBURY, CT 06033 | AFLAC | $161 | $0 | $161 | 1.41% |
| THE HORTON GROUP3 Filed as: ALEX HORTON | 4 ARMSTRONG ROAD SHELTON, CT 06484 | AFLAC | $98 | $0 | $98 | 0.86% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $86 | $0 | $86 | 0.75% |
| JUSTIN GRIFFEY3 | 7 MICHELLE DRIVE CARSLLILE, PA 17013 | AFLAC | $81 | $0 | $81 | 0.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $476 | — | $476 | 5.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | PO BOX 786677 PHILADELPHIA, PA 91786 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $331 | — | $331 | 4.07% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 150 | $8K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 102 | $20K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 102 | $20K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 102 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.