| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $119K | $132K | 3.18% |
| DREYFUSS & BIRKE LTD3 Filed as: DREYFUSS AND BIRKE LTD | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $693 | $10K | 10.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY INC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | SECURIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.78% |
| DREYFUSS & BIRKE LTD3 | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $386 | $6K | 11.76% |
| NFP INSURANCE SERVICES INC Filed as: NFP | — | EYEMED VISION CARE | — | — | $0 | — |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $4.1M |
| Vision | EYEMED VISION CARE | 0 | $0 |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 153 | $89K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 155 | $97K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 155 | $97K |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 153 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.