| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 786677, 21ST FL. PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $116K | $116K | 4.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | DELTA DENTAL OF NEW JERSEY | $6K | $0 | $6K | 2.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | RELIANCE STANDARD | $23K | $0 | $23K | 15.00% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $8K | $760 | $8K | 5.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | $0 | $870 | $870 | 0.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | RELIANCE STANDARD | $10K | $90 | $10K | 15.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $3K | $356 | $4K | 5.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPTIAL OF TX HWY S BLDG II, STE. 600 AUSTIN, TX 78746 | RELIANCE STANDARD | $0 | $490 | $490 | 0.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 200 PARK AVE, 32ND FL. NEW YORK, NY 10166 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | RELIANCE STANDARD | $4K | $45 | $4K | 15.17% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE MORRIS, IL 60450 | RELIANCE STANDARD | $1K | $193 | $2K | 5.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE STANDARD | $0 | $264 | $264 | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | RELIANCE STANDARD | $729 | $6 | $735 | 20.32% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $181 | $9 | $190 | 5.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | RELIANCE STANDARD | $624 | $4 | $628 | 20.13% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE MORRIS, IL 60450 | RELIANCE STANDARD | $157 | $11 | $168 | 5.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | RELIANCE STANDARD | $188 | $1 | $189 | 15.12% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $63 | $5 | $68 | 5.44% |
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 | 643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 486 | $2.5M |
| Dental | DELTA DENTAL OF NEW JERSEY | 647 | $246K |
| Vision | VISION SERVICE PLAN | 426 | $28K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 177 | $66K |
| Short-term disability | RELIANCE STANDARD | 177 | $150K |
| Long-term disability | RELIANCE STANDARD | 177 | $26K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD | 802 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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.