| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $61K | $61K | 4.22% |
| 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 | $6K | $809 | $7K | 9.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $411 | $6K | 13.22% |
| NEW YORK RHB, LLC3 Filed as: NEW YORK RHB LLC | 120 BROADWAY FL 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $327 | $0 | $327 | 0.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $629 | $0 | $629 | 4.97% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $72K |
| Vision | VISION SERVICE PLAN | 189 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $48K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $48K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $48K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.