| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | THE STANDARD INSURANCE COMPANY | $45K | $0 | $45K | 1.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | FEDERAL INSURANCE COMPANY | $13K | $1K | $14K | 16.54% |
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 | 4,997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 213 | $2.8M |
| Dental | BLUECROSS BLUESHIELD OF VERMONT | 93 | $637K |
| Vision | VISION SERVICE PLAN | 3,525 | $591K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 5,134 | $2.7M |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 5,134 | $2.7M |
| Prescription drug | BLUECROSS BLUESHIELD OF VERMONT | 93 | $637K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 6,045 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,045 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.