| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $18K | $18K | 13.16% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | UNKNOWN CAMDEN, NJ 08101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $54 | $0 | $54 | 0.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5 | $0 | $5 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP HEALTHCARE INDUSTRY INS. SVCS. | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | FEDERAL INSURANCE COMPANY | $2K | $403 | $3K | 23.69% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 1,049 | $454K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 920 | $51K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 237 | $140K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 237 | $140K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 237 | $140K |
| Prescription drug | RXBENEFITS, INC. | 149 | $783K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 588 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.