| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | ANTHEM HEALTH PLANS, INC | $39K | $0 | $39K | 1.85% |
| SERRA & DELVECCHIO LLC3 | 2 CORPORATE DRIVE SUITE 234 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.50% |
| SERRA & DELVECCHIO LLC3 | 2 CORPORATE DRIVE SUITE 234 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.63% |
| SERRA & DELVECCHIO LLC3 | 2 CORPORATE DRIVE SUITE 234 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 386 MAIN STREET MIDDLETOWN, CT 06457 | ACE AMERICAN INSURANCE COMPANY | $673 | $52 | $725 | 21.55% |
| SERRA & DELVECCHIO LLC3 | 2 CORPORATE DRIVE SUITE 234 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $170 | $0 | $170 | 8.53% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC | 143 | $2.1M |
| Dental | ANTHEM HEALTH PLANS, INC | 143 | $2.1M |
| Vision | ANTHEM HEALTH PLANS, INC | 143 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $23K |
| Other(3 contracts, 3 carriers) | ACE AMERICAN INSURANCE COMPANY | 130 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.