| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $25K | $33K | 5.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 2.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | ACE AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 30.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | ACE AMERICAN INSURANCE COMPANY | $600 | $0 | $600 | 30.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FLOOR 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $658 | $0 | $658 | — |
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 | 748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,237 | $628K |
| Vision | VISION SERVICE PLAN | 527 | $94K |
| Life insurance | STANDARD INSURANCE COMPANY | 748 | $425K |
| Short-term disability | STANDARD INSURANCE COMPANY | 748 | $425K |
| Long-term disability | STANDARD INSURANCE COMPANY | 748 | $425K |
| Other(3 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 0 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,237 | — |
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.