| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAYYA HEALTH INSURANCE CENTER SERVI3 | 215 PARK AVE S FL 4 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $229 | $0 | $229 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE RM 3202 ATTN ACCOUNTING NEW YORK, NY 101663201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE RM 3202 ATTN ACCOUNTING NEW YORK, NY 101663201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 2.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVENUE RM 3202 ATTN ACCOUNTING NEW YORK, NY 101663201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.03% |
| NAYYA HEALTH INSURANCE CENTER SERVI3 | 215 PARK AVE S FL 4 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $370 | $0 | $370 | 0.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVENUE RM 3202 ATTN ACCOUNTING NEW YORK, NY 101663201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT | 1166 AVE OF AMERICAS 23RD FLOOR NEW YORK, NY 100360000 | ACE AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| NAYYA HEALTH INSURANCE CENTER SERVI3 | 215 PARK AVE S FL 4 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $79 | $0 | $79 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE RM 3202 ATTN ACCOUNTING NEW YORK, NY 101663201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 ATTN ACCOUNTING NEW YORK, NY 10166 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $44 | $44 | 0.20% |
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 | 919 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $92K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,108 | $636K |
| Vision | EYEMED VISION CARE | 1,378 | $71K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,787 | $1.9M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,787 | $766K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,787 | $618K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,787 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,787 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.