| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 21ST FLOOR PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $82K | $92K | 3.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE, FL 32 NEW YORK, NY 10166 | COMPANION LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE, FL 32 NEW YORK, NY 10173 | COMPANION LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.84% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORTATE SERVICES/REUBAN WARN | — | SHELTERPOINT LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE, FL 32 NEW YORK, NY 10166 | COMPANION LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | COMPANION LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.83% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S STE 600 AUSTIN, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $771 | $771 | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | VISION SERVICE PLAN | $950 | $0 | $950 | 6.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $418 | $418 | 2.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVCES INC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $174 | $174 | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE, FL 32 NEW YORK, NY 10166 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | COMPANION LIFE INSURANCE COMPANY | $0 | $438 | $438 | 3.13% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $183 | $183 | 1.31% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $301 | $0 | $301 | 15.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 499 WASHINGTON BLVD 8TH FLOOR, STE 810 JERSEY CITY, NJ 07310 | FEDERAL INSURANCE COMPANY | $301 | $0 | $301 | 15.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $245 | $0 | $245 | 14.98% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 71 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $2.9M |
| Vision | VISION SERVICE PLAN | 158 | $16K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 305 | $147K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 241 | $87K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 240 | $65K |
| Other(5 contracts, 4 carriers) | COMPANION LIFE INSURANCE COMPANY | 305 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.