| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC Filed as: NFP | 99 TROY RD PO BOX 640 EAST GREENBUSH, NY 12061 | MVP | $125K | — | $125K | 2.87% |
| NFP INSURANCE SERVICES INC Filed as: NFP | 99 TROY RD PO BOX 640 EAST GREENBUSH, NY 12061 | DELTA DENTAL | $3K | $352 | $3K | 3.17% |
| NFP INSURANCE SERVICES INC Filed as: NFP | 99 TROY RD PO BOX 640 EAST GREENBUSH, NY 12061 | EMPIRE ANTHEM BLUE CROSS BLUE SHIELD | $651 | — | $651 | 3.94% |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP | 352 | $4.4M |
| Dental | DELTA DENTAL | 389 | $96K |
| Vision | EMPIRE ANTHEM BLUE CROSS BLUE SHIELD | 245 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.