| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $191K | $193K | 3.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FLOOR 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $10K | $18K | 2.45% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $6K | $0 | $6K | 3.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $4K | $8K | 4.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | $4K | $9K | 5.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $2K | $6K | 5.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $6K | $0 | $6K | 9.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $425 | $3K | 14.47% |
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 | 1,523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,013 | $8.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,507 | $895K |
| Vision | EYEMED VISION CARE | 1,091 | $61K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,514 | $96K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,514 | $178K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,514 | $167K |
| Other(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,514 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,514 | — |
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.