| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $438 | $4K | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY-NEW YORK | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 8.11% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | HARTFORD LIFE AND ACCIDENT | $907 | — | $907 | 14.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | — | $128 | $128 | 2.05% |
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 | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $943K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $943K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 180 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 138 | $6K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $943K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.