| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NBT INSURANCE AGENCY LLC3 Filed as: NBT INSURANCE AGENCY, INC | 66 SOUTH BROAD STREET NORWICH, NY 13815 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | $79K | — | $79K | 10.54% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIRST RELIANCE STANDARD | $38K | — | $38K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIRST RELIANCE STANDARD | $29K | — | $29K | 10.00% |
| NBT INSURANCE AGENCY LLC3 Filed as: NBT INSURANCE AGENCY, LLC | 66 SOUTH BROAD STREET NORWICH, NY 13815 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.01% |
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 | 2,035 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 160 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 3,219 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,468 | $142K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | 2,084 | $753K |
| Short-term disability | FIRST RELIANCE STANDARD | 1,855 | $381K |
| Long-term disability | FIRST RELIANCE STANDARD | 2,384 | $286K |
| Other(5 contracts, 3 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | 2,084 | $796K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,219 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.