| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $72K | $72K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL OF NEW YORK | $8K | $0 | $8K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | COMPANION LIFE INSURANCE COMPANY | $7K | $3K | $10K | 9.29% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 4.97% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $221 | $0 | $221 | 0.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | BENISTAR GROUP RETIREE HEALTH SOLUTIONS | $4K | $0 | $4K | 3.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $2K | $8K | 11.72% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $862 | $862 | 1.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $1K | $0 | $1K | 8.40% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE COMPANY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $831 | $0 | $831 | 10.00% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $381 | $0 | $381 | 14.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 601 PLAZA, 6TH FL HARBORSIDE FINANCIAL CENTER JERSEY CITY, NJ 07311 | FEDERAL INSURANCE COMPANY | $381 | $0 | $381 | 14.99% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 70 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $2.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 262 | $168K |
| Vision | VISION SERVICE PLAN | 141 | $15K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 292 | $173K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 214 | $67K |
| Prescription drug | BENISTAR GROUP RETIREE HEALTH SOLUTIONS | 38 | $92K |
| Other(5 contracts, 5 carriers) | COMPANION LIFE INSURANCE COMPANY | 292 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.