| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE STE 220 HARRISON, NY 10528 | UNITEDHEALTHCARE INSURANCE COMPANY | $110K | — | $110K | 2.50% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 0.66% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 64921 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $2K | $10K | 5.62% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE STE 220 HARRISON, NY 10528 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.70% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $1K | $11K | 16.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $538 | $6K | 22.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HOME OFFICE TPA PAYS COMMISSION3 | 5900 O ST LINCOLN, NE 68510 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $1K | — | $1K | 8.17% |
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 | 204 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $4.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 331 | $187K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 151 | $15K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 209 | $90K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 209 | $64K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 209 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.