| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 420 LEXINGTON AVENUE SUITE 531 NEW YORK, NY 10170 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $80K | $1K | $82K | 2.88% |
| BARANELLO ASSOCIATES INC3 | 1981 MARCUS AVE STE 125 LAKE SUCCESS, NY 11042 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.14% |
| EILEEN S FALK3 | 20 CHAPEL PL APT 1R GREAT NECK, NY 11021 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.14% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $227 | $227 | 1.92% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $227 | $227 | 1.92% |
| GLOBAL PLANNING CORP3 | 350 JERICHO TPKE STE 312 JERICHO, NY 11753 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $722 | $0 | $722 | 9.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 420 LEXINGTON AVENUE SUITE 531 NEW YORK, NY 10170 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $0 | $517 | $517 | 6.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $98 | $0 | $98 | 1.22% |
| BARANELLO ASSOCIATES INC3 | 1981 MARCUS AVE STE 125 LAKE SUCCESS, NY 11042 | FIRST UNUM LIFE INSURANCE COMPANY | $357 | $0 | $357 | 5.22% |
| EILEEN S FALK3 | 20 CHAPEL PL APT 1R GREAT NECK, NY 11021 | FIRST UNUM LIFE INSURANCE COMPANY | $357 | $0 | $357 | 5.22% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $171 | $171 | 2.50% |
| FNA INSURANCE SERVICES INC3 | 100 SUNSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $171 | $171 | 2.50% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 288 | $2.8M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 288 | $2.8M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 288 | $2.8M |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 155 | $8K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 138 | $7K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 136 | $12K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 288 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.