| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE NEW YORK, NY 10173 | AETNA LIFE INSURANCE CO. | $7K | $0 | $7K | 0.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 2.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 1405 DAVIS AVE ENDWELL, NY 13760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.71% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $260 | $260 | 0.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | VISION SERVICE PLAN | $980 | $0 | $980 | 5.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 1405 DAVIS AVE ENDWELL, NY 13760 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $778 | $778 | 6.13% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $162 | $162 | 1.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CORPORATE SERVICES (NY) LLC BROKER | Claims processing Service code 12 | 340 MADISON AVE NEW YORK, NY 10173 | $42K |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 273 | $2.0M |
| Dental | AETNA LIFE INSURANCE CO. | 273 | $1.6M |
| Vision | VISION SERVICE PLAN | 149 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6 | $13K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.