| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | $27K | $0 | $27K | 4.22% |
| ROSE & KIERNAN INC3 | — | DELTA DENTAL OF NEW YORK | $6K | $0 | $6K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD INSURANCE COMPANY OF AMERICA | $4K | $881 | $5K | 11.54% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | FIRST RELIANCE STANDARD INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.28% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 1250 CAPITAL OF TEXAS HWY S BLDG II AUSTIN, TX 78746 | FIRST RELIANCE STANDARD INSURANCE COMPANY OF AMERICA | $760 | $0 | $760 | 1.72% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD INSURANCE COMPANY OF AMERICA | $0 | $443 | $443 | 1.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $789 | $3K | 8.66% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CA 06492 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.27% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 1250 S CAPITAL OF TEXAS HWY S. BLDG 2 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $683 | $0 | $683 | 1.73% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $611 | $611 | 1.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $755 | $6K | 17.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.41% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 1250 CAPITAL OF TEXAS HWY S BLDG 2 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $601 | $0 | $601 | 1.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $300 | $300 | 0.79% |
| ROSE & KIERNAN INC3 | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | ANTHEM BLUE CROSS | $555 | $0 | $555 | 3.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | ANTHEM BLUE CROSS | $198 | $173 | $371 | 2.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 191786677 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 191786677 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 191786677 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $634 | $0 | $634 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $347 | $46 | $393 | 16.98% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $77 | $0 | $77 | 3.33% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 1250 S CAPITAL OF TEXAS HWY S. BLDG 2 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $38 | $0 | $38 | 1.64% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.86% |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 410 | $161K |
| Vision | ANTHEM BLUE CROSS | 342 | $18K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 364 | $77K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $14K |
| Long-term disability | FIRST RELIANCE STANDARD INSURANCE COMPANY OF AMERICA | 364 | $44K |
| Other(8 contracts, 4 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | 408 | $762K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.