| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | MVP HEALTH SERVICES CORP | $133K | $0 | $133K | 2.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $4K | $17K | 7.16% |
| ROSE & KIERNAN INC3 | 159 WOLF ROAD SUITE 200 ALBANY, NY 12205 | DELTA DENTAL OF NEW YORK | $11K | $8K | $19K | 10.02% |
| ROSE & KIERNAN INC3 | 159 WOLF ROAD SUITE 200 ALBANY, NY 12205 | ANTHEM BLUE CROSS | $525 | $0 | $525 | 2.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | ANTHEM BLUE CROSS | $256 | $198 | $454 | 2.33% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $999 | $4K | 31.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | $0 | $129 | 1.01% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH SERVICES CORP | 376 | $4.5M |
| Dental | DELTA DENTAL OF NEW YORK | 415 | $189K |
| Vision | ANTHEM BLUE CROSS | 334 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $241K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $241K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $241K |
| Prescription drug | MVP HEALTH SERVICES CORP | 376 | $4.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.