| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | MVP HEALTHCARE | $228K | — | $228K | 3.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 60 MERRITT BOULEVARD SUITE 22 FISHKILL, NY 12524 | MVP HEALTHCARE | $37 | — | $37 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 60 MERRITT BOULEVARD SUITE 2 FISHKILL, NY 12524 | DELTA DENTAL | $43K | — | $43K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 60 MERRITT BOULEVARD SUITE 22 FISHKILL, NY 12524 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | — | $13K | 15.39% |
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 | 922 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | 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) | MVP HEALTHCARE | 724 | $6.5M |
| Dental | DELTA DENTAL | 1,125 | $435K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 311 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,125 | — |
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.