| 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 | $93K | $8K | $101K | 9.86% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DR. PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$168 | — | -$168 | -0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY-NEW YORK | P. O. BOX 786677 PHILADELPHIA, PA 19178 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 6.66% |
| 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 | $940 | — | $940 | 3.64% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 14.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | P. O. BOX 786677 PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | $0 | $317 | $317 | 1.56% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 196 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 196 | $1.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 218 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 131 | $20K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 196 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.