| 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 | AETNA LIFE INSURANCE COMPANY | $81K | $26K | $107K | 4.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 3.01% |
| NEW YORK RHB, LLC3 | 120 BROADWAY 37TH FLOOR NEW YORK, NY 10271 | GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $86 | $0 | $86 | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 10.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $116 | $116 | 0.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $685 | $0 | $685 | 2.62% |
| ROSS INSURANCE BROKERAGE INC.3 | 424 MADISON AVE 14TH FLOOR NEW YORK, NY 10017 | VISION SERVICE PLAN | $606 | $0 | $606 | 2.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 176 FEDERAL ST MEZZANINE BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $387 | $1K | 15.62% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 336 | $2.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 146 | $133K |
| Vision | VISION SERVICE PLAN | 104 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 175 | $96K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 78 | $9K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $29K |
| Other | STANDARD INSURANCE COMPANY | 175 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.