| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $126K | $0 | $126K | 4.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $5K | $20K | 6.66% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.83% |
| WILLIAM AUSTIN3 Filed as: WILLIAM P AUSTIN | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10017 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $3K | $10K | 6.68% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $8K | $0 | $8K | 9.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $386 | $2K | 6.71% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $190 | $190 | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | ACE AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | -$4K | $0 | -$4K | — |
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 | 863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $2.9M |
| Vision | EYEMED VISION CARE | 1,345 | $79K |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 863 | $494K |
| Long-term disability(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 863 | $345K |
| Other(5 contracts, 4 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,025 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,345 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.