| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $79K | $0 | $79K | 4.30% |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUTIE 900 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | $0 | $2K | 2.50% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | $0 | $1K | 1.72% |
| BENEFITMALL3 Filed as: BENEFITMALL 018229 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$792 | $2K | $846 | 1.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | $0 | $2K | 3.89% |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUTIE 900 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | $0 | $2K | 3.77% |
| BENEFITMALL3 Filed as: BENEFITMALL 018229 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$520 | $1K | $540 | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | $0 | $1K | 3.03% |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUITE 900 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | $0 | $1K | 2.57% |
| BENEFITMALL3 Filed as: BENEFITMALL 018229 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$518 | $995 | $477 | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $538 | $0 | $538 | 4.97% |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUITE 900 NEW, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $284 | $0 | $284 | 2.63% |
| BENEFITMALL3 Filed as: BENEFITMALL 018229 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$133 | $252 | $119 | 1.10% |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUTIE 900 NEW YORK, NY 10017 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $0 | $2K | — |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $926 | -$67 | $859 | — |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | -$204 | -$204 | — |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUTIE 900 NEW YORK, NY 10017 | CIGNA LIFE INSURANCE CO. OF NEW YORK | -$612 | $0 | -$612 | — |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | -$310 | -$310 | — |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUTIE 900 NEW YORK, NY 10017 | CIGNA LIFE INSURANCE CO. OF NEW YORK | -$619 | $0 | -$619 | — |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | -$346 | -$346 | — |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUTIE 900 NEW YORK, NY 10017 | CIGNA LIFE INSURANCE CO. OF NEW YORK | -$629 | $0 | -$629 | — |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 0 | $42K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 0 | $66K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 0 | $43K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 0 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.