| 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 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $8K | $8K | 9.38% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $2K | $5K | 7.69% |
| ROSE & KIERNAN INC3 | PO BOX 640 EAST GREENBUSH, NY 12061 | THE PAUL REVERE LIFE INSURANCE COMPANY | $848 | $0 | $848 | 2.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | THE PAUL REVERE LIFE INSURANCE COMPANY | $496 | $0 | $496 | 1.31% |
| PATRICK J ROHAN3 | 35 MAIN STREET PUGHKEEPSIE, NY 12601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $392 | $0 | $392 | 1.03% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON ST HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $187 | $0 | $187 | 0.49% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $144 | $0 | $144 | 0.38% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $114 | $0 | $114 | 0.30% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $83 | $0 | $83 | 0.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 8.92% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 9.07% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $805 | $805 | 6.97% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 2 STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $358 | $358 | 3.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $290 | $0 | $290 | 14.99% |
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 | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,139 | $62K |
| Life insurance(3 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 845 | $203K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,464 | $246K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 845 | $196K |
| Other(6 contracts, 5 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 845 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,464 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.