| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | UNKNOWN UNKNOWN, NY 00000 | HARVARD PILGRIM HEALTH CARE | $125K | $0 | $125K | 4.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | UNKNOWN UNKNOWN, NY 00000 | HARVARD PILGRIM HEALTH CARE | $56K | $0 | $56K | 4.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | UNKNOWN UNKNOWN, NY 00000 | HARVARD PILGRIM HEALTH CARE | $43K | $0 | $43K | 3.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $6K | $10K | 4.09% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $4K | $10K | 5.43% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | UNKNOWN UNKNOWN, NY 00000 | HARVARD PILGRIM HEALTH CARE | $2K | $0 | $2K | 4.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | UNKNOWN UNKNOWN, NY 00000 | HARVARD PILGRIM HEALTH CARE | $2K | $0 | $2K | 4.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $624 | $5K | 17.14% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $195 | $195 | 0.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | UNKNOWN UNKNOWN, NY 00000 | HARVARD PILGRIM HEALTH CARE | $967 | $0 | $967 | 5.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | UNKNOWN UNKNOWN, NY 00000 | HARVARD PILGRIM HEALTH CARE | $435 | $0 | $435 | 2.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | UNKNOWN UNKNOWN, NY 00000 | HARVARD PILGRIM HEALTH CARE | $428 | $0 | $428 | 3.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $824 | $0 | $824 | 11.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | UNKNOWN UNKNOWN, NY 00000 | HARVARD PILGRIM HEALTH CARE | $103 | $0 | $103 | 1.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | HARTFORD FIRE INSURANCE COMPANY | $647 | $0 | $647 | 14.99% |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts) | HARVARD PILGRIM HEALTH CARE | 462 | $5.7M |
| Vision | VISION SERVICE PLAN | 341 | $49K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $253K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $7K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $181K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 430 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.