| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $181K | $0 | $181K | 4.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $7K | $15K | 3.59% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY BUILDING 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $12 | $3K | 0.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $14K | $3K | $17K | 10.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $413 | $2K | 12.00% |
| DREYFUSS & BIRKE LTD3 Filed as: DREYFUSS & BIRKE, LTD | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | FEDERAL INSURANCE COMPANY | $393 | $0 | $393 | 14.99% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $404K |
| Vision | VISION SERVICE PLAN | 146 | $25K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 215 | $165K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 215 | $165K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 215 | $165K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $4.1M |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 216 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.