| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HIGHMARK NORTHEASTER NEW YORK | $136K | $0 | $136K | 2.16% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | HIGHMARK NORTHEASTER NEW YORK | $28K | $0 | $28K | 0.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | THE STANDARD INSURANCE COMPANY | $53K | $0 | $53K | 9.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | THE STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 1.81% |
| ROSE & KIERNAN INC3 | — | DELTA DENTAL OF NEW YORK | $9K | $0 | $9K | 3.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | PO BOX 9101 PLAINVIEW, NY 11803 | ANTHEM BLUE CROSS | $19K | $0 | $19K | 34.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 300 S GRAND AVE STE 2000 LOS ANGELES, CA 90071 | ANTHEM BLUE CROSS | $0 | $650 | $650 | 1.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | ANTHEM BLUE CROSS | -$27K | $0 | -$27K | -50.23% |
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 | 870 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK NORTHEASTER NEW YORK | 881 | $6.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 905 | $355K |
| Vision | ANTHEM BLUE CROSS | 853 | $54K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 815 | $537K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 815 | $537K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 815 | $537K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK NORTHEASTER NEW YORK | 881 | $6.3M |
| Other | THE STANDARD INSURANCE COMPANY | 815 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 905 | — |
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.
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.