| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | HORIZON HEALTHCARE SERVICES, INC. | $159K | $0 | $159K | 2.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $110K | $32K | $143K | 1.80% |
| NFP INSURANCE SERVICES INC3 Filed as: BENEFITS NETWORK INC. DBA NFP | 115 VIP DRIVE SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $96K | $0 | $96K | 1.82% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY SUITE 1936 NEW YORK, NY 10004 | UPMC HEALTH OPTIONS | $65K | $0 | $65K | 1.24% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | SUNLIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 3.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10017 | SUNLIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 2.99% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | SUNLIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 2.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.10% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $21K | $21K | 3.98% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $3K | $18K | 3.45% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $5K | $0 | $5K | 4.99% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | VISION SERVICE PLAN | $870 | $0 | $870 | 0.96% |
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 | 1,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 2,234 | $13.2M |
| Dental(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 2,234 | $5.8M |
| Vision | VISION SERVICE PLAN | 1,045 | $90K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,321 | $589K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,321 | $589K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,321 | $589K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 520 | $8.0M |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,321 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,234 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.