| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATHERINE HENRY3 | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $44K | $0 | $44K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $60 | $4K | 3.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.72% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2 SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $653 | $653 | 0.75% |
| KATHERINE HENRY3 | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | BLUE CARE NETWORK OF MICHIGAN | $1K | $0 | $1K | 3.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2 SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $477 | $477 | 1.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $1K | $0 | $1K | 6.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE SUITE 3202 NEW YORK, NY 10166 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $608 | $0 | $608 | 3.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | ESI GROUP | $519 | $0 | $519 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $926 | $0 | $926 | 11.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2 SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $97 | $97 | 1.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $432 | $0 | $432 | 14.98% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2 SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $31 | $31 | 1.08% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 106 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $128K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 288 | $18K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 298 | $50K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 75 | $87K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 106 | $1.5M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 368 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.