| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 7.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $761 | $761 | 0.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.05% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE., SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.87% |
| RSC INSURANCE BROKERAGE INC3 | 420 LEXINGTON AVE., SUITE 2700 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.33% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $250 | $250 | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | EYEMED VISION CARE, LLC | $2K | $0 | $2K | 8.95% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE, LLC | $391 | $0 | $391 | 1.65% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKER INC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $600 | $0 | $600 | 10.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF FLORIDA | $152 | $0 | $152 | 9.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | CIGNA HEALTHCARE OF CONNETICUT | $114 | $0 | $114 | 9.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $105 | $0 | $105 | 10.03% |
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 | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $384K |
| Vision | EYEMED VISION CARE, LLC | 214 | $24K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 666 | $335K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 217 | $116K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 666 | $335K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 666 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.