| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $246K | $0 | $246K | 2.41% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD LIFE INS CO OF NY | $22K | $11K | $33K | 16.61% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD LIFE INS CO OF NY | $11K | $6K | $17K | 17.47% |
| ROSE & KIERNAN INC3 | 159 WOLF ROAD SUITE 200 ALBANY, NY 12205 | ANTHEM BLUE CROSS | $1K | $0 | $1K | 3.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | ANTHEM BLUE CROSS | $565 | $434 | $999 | 2.33% |
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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 855 | $10.2M |
| Dental | DELTA DENTAL OF NEW YORK | 1,205 | $0 |
| Vision(2 contracts, 2 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 866 | $10.2M |
| Life insurance | STANDARD LIFE INS CO OF NY | 522 | $95K |
| Long-term disability | STANDARD LIFE INS CO OF NY | 523 | $201K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 855 | $10.2M |
| Other | STANDARD LIFE INS CO OF NY | 522 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,205 | — |
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.