| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $108K | $0 | $108K | 14.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $0 | $20K | 7.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $551 | $13K | 7.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NJ 11803 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $44 | $10K | 6.49% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $9K | 6.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 ATTN ACCOUNTIN NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 133 PROSPECT ST. WESTFIELD, NJ 07090 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $403 | $3K | 11.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $1K | $0 | $1K | 9.18% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 360 MOUNT KEMBLE AVE 3RD FLOOR MORRISTOWN, NC 07963 | FEDERAL INSURANCE COMPANY | $802 | $0 | $802 | 15.00% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | 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 | 139 | $1.1M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $455K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 71 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $147K |
| Short-term disability | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 102 | $2K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $163K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.