| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 02061 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $211 | $69K | $69K | 3.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 141 LONGWATER DRIVE, SUITE 101 NORWELL, MA 02061 | DELTA DENTAL OF NJ, INC. | $5K | $0 | $5K | 4.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 13.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE 21ST FL NEW YORK, NY 10173 | VISION SERVICE PLAN | $776 | $0 | $776 | 7.23% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $1.8M |
| Dental | DELTA DENTAL OF NJ, INC. | 157 | $124K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $1.8M |
| Life insurance | STANDARD INSURANCE COMPANY | 213 | $77K |
| Short-term disability | STANDARD INSURANCE COMPANY | 213 | $77K |
| Long-term disability | STANDARD INSURANCE COMPANY | 213 | $77K |
| Other | STANDARD INSURANCE COMPANY | 213 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.