| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $62K | $0 | $62K | 8.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $100K | $0 | $100K | 18.07% |
| BAKER TILLY VANTAGEN, LLC3 | 1200 ABINGTON EXECUTIVE PARK CLARKS SUMMIT, PA 18411 | STANDARD INSURANCE COMPANY | $0 | $23K | $23K | 4.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $62K | $0 | $62K | 21.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $53K | $0 | $53K | 18.25% |
| BAKER TILLY VANTAGEN, LLC3 | 1200 ABINGTON EXECUTIVE PARK CLARKS SUMMIT, PA 18411 | STANDARD INSURANCE COMPANY | $0 | $12K | $12K | 4.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 7.00% |
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 | 3,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 274 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 1,875 | $693K |
| Vision | STANDARD INSURANCE COMPANY | 1,710 | $95K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,183 | $552K |
| Long-term disability | STANDARD INSURANCE COMPANY | 490 | $290K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 3,183 | $843K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,183 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.