| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVENUE ROOM 3202 NEW YORK, NY 10173 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $27K | $27K | 2.77% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.36% |
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 | 1,521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 2,316 | $688K |
| Vision | VISION SERVICE PLAN | 1,224 | $115K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,521 | $965K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,521 | $965K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,521 | $965K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,521 | $965K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,316 | — |
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."
No prospect flags tripped on this filing.