| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 8.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $846 | $0 | $846 | 3.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 26.18% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $854 | $0 | $854 | 20.00% |
| INTEGRO INSURANCE BROKERS3 | ONE CALIFORNIA STREET SAN FRANCISCO, CA 94111 | FEDERAL INSURANCE COMPANY | $641 | $0 | $641 | 15.01% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 141 | $225K |
| Vision | VISION SERVICE PLAN | 91 | $24K |
| Life insurance | STANDARD INSURANCE COMPANY | 141 | $225K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 141 | $230K |
| Long-term disability | STANDARD INSURANCE COMPANY | 141 | $225K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 144 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.