| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE SUITE 3202 NEW YORK, NY 10166 | THE STANDARD INSURANCE COMPANY | $54K | $0 | $54K | 1.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 2343 SOUTH BURLINGTON, VT 05403 | BLUECROSS BLUESHIELD OF VERMONT | $0 | $920 | $920 | 0.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | FEDERAL INSURANCE COMPANY | $18K | $2K | $19K | 16.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE SUITE 3202 NEW YORK, NY 10166 | KAISER FOUNDATION HEALTH PLAN | $831 | $0 | $831 | 2.01% |
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 | 6,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 150 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 216 | $3.2M |
| Dental | BLUECROSS BLUESHIELD OF VERMONT | 94 | $727K |
| Vision | AMERITAS LIFE INSURANCE | 3,852 | $524K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 5,680 | $2.8M |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 5,680 | $2.8M |
| Prescription drug | BLUECROSS BLUESHIELD OF VERMONT | 94 | $727K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 6,045 | $183K |
| 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."
No prospect flags tripped on this filing.