| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | $0 | $55K | 2.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 5.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.54% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IA 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $66 | $66 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $5K | $480 | $6K | 5.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 13.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 9.69% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 352 | $2.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 341 | $110K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 423 | $237K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 423 | $237K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 423 | $237K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 423 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.