| 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 | $4K | $49K | $53K | 4.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | SHELTERPOINT LIFE INSURANCE COMPANY | $814 | $0 | $814 | 6.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $455 | $0 | $455 | 4.78% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 10005 | VISION SERVICE PLAN | $399 | $0 | $399 | 4.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | AFLAC | $943 | $0 | $943 | 13.86% |
| ANGELA MONTENEGRO3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $456 | $9 | $465 | 6.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELMER BROWN | 212 E 112TH ST APT 1 NEW YORK, NY 10029 | AFLAC | $371 | $26 | $397 | 5.83% |
| MARITZA SANTIAGO3 | 1330 KEARNEY AVE FL 2 BRONX, NY 10465 | AFLAC | $228 | $0 | $228 | 3.35% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 25 ROCKLEDGE TER POMPTON PLAIN, NJ 07444 | AFLAC | $205 | $9 | $214 | 3.15% |
| KIM DYMOND3 | 562 W END AVE STE 4D NEW YORK, NY 10024 | AFLAC | $8 | $0 | $8 | 0.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $791 | $155 | $946 | 19.57% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $0 | $16 | $16 | 0.33% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 157 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 157 | $1.3M |
| Vision | VISION SERVICE PLAN | 95 | $10K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 102 | $5K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 58 | $13K |
| Other(2 contracts, 2 carriers) | AFLAC | 102 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.