| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $78K | — | $78K | 3.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $5K | $9K | 6.33% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.15% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.31% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 10.05% |
| 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 | $2K | — | $2K | 4.95% |
| 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 | $1K | $1K | 2.84% |
| PROFESSIONAL PENSIONS INC5 | 10 RESEARCH PKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $828 | $828 | 2.07% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $793 | $793 | 1.98% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $473 | $473 | 1.18% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 10.04% |
| 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 | $1K | — | $1K | 4.96% |
| 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 | $821 | $821 | 2.84% |
| PROFESSIONAL PENSIONS INC5 | 10 RESEARCH PKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $598 | $598 | 2.07% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $573 | $573 | 1.99% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $342 | $342 | 1.18% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 6.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | COMPANION LIFE INSURANCE COMPANY | $668 | — | $668 | 3.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | COMPANION LIFE INSURANCE COMPANY | $0 | $573 | $573 | 2.82% |
| PROFESSIONAL PENSIONS INC5 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | $0 | $419 | $419 | 2.06% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | COMPANION LIFE INSURANCE COMPANY | $0 | $401 | $401 | 1.97% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $239 | $239 | 1.18% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 9.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | COMPANION LIFE INSURANCE COMPANY | $744 | — | $744 | 5.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | COMPANION LIFE INSURANCE COMPANY | $0 | $423 | $423 | 3.09% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | COMPANION LIFE INSURANCE COMPANY | $0 | $298 | $298 | 2.18% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $176 | $176 | 1.29% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | MUTUAL OF OMAHA INSURANCE COMPANY | $273 | — | $273 | 6.71% |
| 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 | $134 | — | $134 | 3.29% |
| 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 | $115 | $115 | 2.83% |
| PROFESSIONAL PENSIONS INC5 | 10 RESEARCH PKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $84 | $84 | 2.06% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $80 | $80 | 1.97% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $48 | $48 | 1.18% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | MUTUAL OF OMAHA INSURANCE COMPANY | $104 | — | $104 | 10.67% |
| 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 | $42 | — | $42 | 4.31% |
| 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 | $21 | $21 | 2.15% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $17 | $17 | 1.74% |
| PROFESSIONAL PENSIONS INC5 | 10 RESEARCH PKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $17 | $17 | 1.74% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $9 | $9 | 0.92% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 140 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $140K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $140K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $174K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 202 | $29K |
| Other(3 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 202 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.