| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $81K | $0 | $81K | 5.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE 32ND FLOOR NEW YORK, NY 10166 | SHELTERPOINT LIFE INSURANCE COMPANY | $890 | $0 | $890 | 2.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | $206 | $4K | 15.05% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $0 | $39 | $39 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | VISION SERVICE PLAN | $874 | $0 | $874 | 6.46% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 10005 | VISION SERVICE PLAN | $585 | $0 | $585 | 4.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | AFLAC | $475 | $0 | $475 | 6.93% |
| CLAIRE R MIONE3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $277 | $81 | $358 | 5.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELMER BROWN | 212 E 112TH ST APT 1 NEW YORK, NY 10029 | AFLAC | $220 | $79 | $299 | 4.36% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 5 ELYSE DR NEW YORK, NY 10956 | AFLAC | $103 | $0 | $103 | 1.50% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR NEW ROCHELLE, NY 10804 | AFLAC | $70 | $14 | $84 | 1.23% |
| GEORGE J ROE3 | 108 JACKSON ST APT 4A HONOKEN, NJ 07030 | AFLAC | $26 | $0 | $26 | 0.38% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TER POMPTON PLAINS, NJ 07444 | AFLAC | $11 | $0 | $11 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELMER BROWN | 212 E 112TH APT 1 NEW YORK, NY 10029 | AFLAC | $225 | $73 | $298 | 12.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | AFLAC | $265 | $0 | $265 | 10.80% |
| ALVARO JAVIER MONTENEGRO3 | 5 EYLSE DR NEW CITY, NY 10956 | AFLAC | $101 | $13 | $114 | 4.65% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DR NEW ROCHELLE, NY 10804 | AFLAC | $52 | $13 | $65 | 2.65% |
| GROE INC3 | 108 JACKSON ST APT 4A HOBOKEN, NJ 07030 | AFLAC | $20 | $0 | $20 | 0.82% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 204 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 204 | $1.5M |
| Vision | VISION SERVICE PLAN | 117 | $14K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 176 | $26K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 157 | $31K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 176 | $26K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 204 | $1.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 176 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.