| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MA) LLC | 141 LONGWATER DR STE 101 NORWELL, MA 02061 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $39K | $39K | 3.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.20% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 35 PARKWOOD DR STE 200 PARKWOOD, MA 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $588 | $588 | 0.86% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $481 | $481 | 0.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.61% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 35 PARKWOOD DR STE 200 HOPKINTON, MA 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $644 | $644 | 2.30% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $509 | $509 | 1.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 16341 AMOTA CT ENCINO, CA 91436 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 17.60% |
| NEW YORK RHB, LLC3 Filed as: NEW YORK RHB | — | THE GUARDIAN LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.60% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 35 PARKWOOD DR STE 200 PARKWOOD, MA 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $815 | $815 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $367 | $367 | 2.25% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $290 | $290 | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $915 | $0 | $915 | 7.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $462 | $0 | $462 | 3.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 35 PARKWOOD DR STE 200 HOPKINTON, MA 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $495 | $495 | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES NY LLC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $141 | $141 | 1.43% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $115 | $115 | 1.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $729 | $0 | $729 | 12.95% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 35 PARKWOOD DR STE 200 PARKWOOD, MA 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $281 | $281 | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $138 | $138 | 2.45% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $109 | $109 | 1.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $392 | $0 | $392 | 15.00% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 35 PARKWOOD DR STE 200 HOPKINTON, NY 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $131 | $131 | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $42 | $42 | 1.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $34 | $34 | 1.30% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $69K |
| Vision | EYEMED VISION CARE | 180 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $16K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 130 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.