| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $0 | $167K | $167K | 4.90% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE COMPANY | $61K | $0 | $61K | 1.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 505 WATERFORD PARK HIGHWAY 169 N SUITE 1100 PLYMOUTH, MN 55441 | MEDICA INSRUANCE COMPANY | $27K | $1K | $28K | 5.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $9K | $0 | $9K | 2.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 420 LEXINGTON AVENUE NEW YORK, NY 10170 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $5K | $0 | $5K | 1.27% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 3.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $34K | $0 | $34K | 18.63% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $761 | $0 | $761 | 7.67% |
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 | 642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 591 | $4.3M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 450 | $304K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 450 | $258K |
| Life insurance | STANDARD INSURANCE COMPANY | 642 | $185K |
| Short-term disability | STANDARD INSURANCE COMPANY | 642 | $185K |
| Long-term disability | STANDARD INSURANCE COMPANY | 642 | $185K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 591 | $3.8M |
| Other | STANDARD INSURANCE COMPANY | 642 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.