| 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 | $6K | $103K | $109K | 4.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 7.44% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 14.85% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $440 | $440 | 2.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.71% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $412 | $412 | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COROPORATE SERVICES NY LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | VISION SERVICE PLAN | $860 | $0 | $860 | 6.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $694 | $0 | $694 | 12.00% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $144 | $144 | 2.49% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $2.7M |
| Vision | VISION SERVICE PLAN | 76 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $50K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58 | $18K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.