| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE 21ST FLOOR, ATTN ACCOUNTING NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $171K | $124 | $171K | 5.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE 21ST FLOOR, ATTN ACCOUNTING NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28K | $28K | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $438K | $8K | $447K | 15.04% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88 | — | $88 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 1.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | ATTN ACCOUNTING 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $949 | $62 | $1K | 5.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | ATTN ACCOUNTING 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | — | $185 | $185 | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATEGIC RISK SOLUTIONS ACCOUNTING SERVICES | Accounting (including auditing) Service code 10 | — | $45K |
| WITHUM SMITH & BROWN, PC ACCOUNTING SERVICES | Accounting (including auditing) Service code 10 | 1411 BROADWAY 9TH FLOOR NEW YORK, NY 10018 | $31K |
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 CLAIMS PROCESSING | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $2K |
| CIGNA | Named fiduciary; Other services; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication; Float revenue; Contract Administrator Service code 12 | — | $0 |
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 | 1,095 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,707 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,707 | $3.0M |
| Vision | EYEMED VISION CARE | 2,782 | $170K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,682 | $3.1M |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,095 | $189K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,707 | $3.0M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,682 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,782 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.