| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | OXFORD HEALTH INSURANCE, INC. | $36K | — | $36K | 1.75% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | OXFORD HEALTH INSURANCE, INC. | $26K | — | $26K | 1.25% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $7K | $10K | 8.13% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MINZER BLVD STE 675 BOCA RATON, FL 33432 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 11.02% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 3.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MINZER BLVD STE 675 BOCA RATON, FL 33432 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 16.18% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 4.09% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | HARTFORD LIFE INSURANCE CO. | $1K | — | $1K | 9.06% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 122112350 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 16.25% |
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 | 246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 234 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $118K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $157K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $127K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 215 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.