| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY FL 15 NEW YORK, NY 10007 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $0 | $35K | 3.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MA) LLC | 141 LONGWATER DR STE 101 NORWELL, MA 02061 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 1.01% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | PRINCIPAL INSURANCE COMPANY | $7K | $0 | $7K | 8.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | PRINCIPAL INSURANCE COMPANY | $2K | $0 | $2K | 2.47% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS | 195 BROADWAY 15TH FL NEW YORK, NY 10007 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $892 | $3K | 11.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $201 | $0 | $201 | 0.82% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $544 | $3K | 16.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $257 | $0 | $257 | 1.71% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | EYEMED VISION CARE | $1K | $0 | $1K | 8.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $317 | $0 | $317 | 2.38% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $456 | $2K | 14.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $83 | $0 | $83 | 0.74% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $386 | $140 | $526 | 14.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48 | $0 | $48 | 1.33% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 216 | $1.1M |
| Dental | PRINCIPAL INSURANCE COMPANY | 190 | $79K |
| Vision | EYEMED VISION CARE | 170 | $13K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL INSURANCE COMPANY | 190 | $91K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL INSURANCE COMPANY | 190 | $104K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL INSURANCE COMPANY | 190 | $94K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.