| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | HIGHMARK NORTHEASTERN NEW YORK | $36K | — | $36K | 2.75% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | HIGHMARK NORTHEASTERN NEW YORK | $8K | — | $8K | 0.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 159 WOLF ROAD, 2ND FLOOR ALBANY, NY 12205 | GUARDIAN | $12K | — | $12K | 10.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 159 WOLF ROAD STE 200 ALBANY, NY 12205 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 7.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | HARTFORD LIFE AND ACCIDENT | — | $983 | $983 | 0.86% |
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 | 1,326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NORTHEASTERN NEW YORK | 152 | $1.3M |
| Dental | GUARDIAN | 253 | $115K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $10K |
| Life insurance | GUARDIAN | 253 | $115K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,326 | $115K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 1,326 | $229K |
| Prescription drug | HIGHMARK NORTHEASTERN NEW YORK | 152 | $1.3M |
| Other(2 contracts, 2 carriers) | HIGHMARK NORTHEASTERN NEW YORK | 253 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,326 | — |
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.