| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | HIGHMARK WESTERN AND NORTHEASTERN NEWYORK INC. | $54K | $0 | $54K | 3.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVIC | 99 TROY ROAD EAST GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $6K | 5.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 12061 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $642 | $3K | 12.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $268 | $268 | 1.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | COMPANION LIFE INSURANCE COMPANY | $2K | $661 | $3K | 12.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $275 | $275 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 12061 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $553 | $3K | 16.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $230 | $230 | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | COMPANION LIFE INSURANCE COMPANY | $1K | $304 | $1K | 12.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $127 | $127 | 1.12% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $993 | $3K | 29.88% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | PO BOX 786677 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $686 | $3K | 30.74% |
| NOT PROVIDED3 | — | LEGAL CLUB OF AMERICA | $1K | $0 | $1K | 31.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | MUTUAL OF OMAHA INSURANCE COMPANY | $327 | $88 | $415 | 12.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $36 | $36 | 1.10% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEWYORK INC. | 117 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $119K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $119K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 150 | $15K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 150 | $25K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 150 | $20K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEWYORK INC. | 117 | $1.7M |
| Other(6 contracts, 5 carriers) | COMPANION LIFE INSURANCE COMPANY | 150 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.