| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $527 | $527 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 16.21% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 3.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.39% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 3.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.54% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 3.91% |
| NFP INSURANCE SERVICES INC3 Filed as: BWD AGENCY AN NFP COMPANY | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | EYEMED | $3K | $0 | $3K | 11.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.65% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $568 | $568 | 3.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 16.21% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $408 | $408 | 3.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $364 | $0 | $364 | 13.16% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $97 | $97 | 3.51% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 196 | $176K |
| Vision | EYEMED | 296 | $24K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $70K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $40K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.