| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $80K | $80K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $439 | $10K | 7.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVENUE ROOM 3202, 21ST FL NEW YORK, NY 10166 | SUNLIFE AND HEALTH INSURANCE COMPANY | $9K | $3K | $11K | 13.08% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | SUNLIFE AND HEALTH INSURANCE COMPANY | $0 | $380 | $380 | 0.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE 32ND FLOOR NEW YORK, NY 10166 | VISION SERVICE PLAN | $827 | $0 | $827 | 6.19% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $611 | $611 | — |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $132K |
| Vision | VISION SERVICE PLAN | 152 | $13K |
| Life insurance | SUNLIFE AND HEALTH INSURANCE COMPANY | 196 | $86K |
| Short-term disability | SUNLIFE AND HEALTH INSURANCE COMPANY | 196 | $86K |
| Long-term disability(2 contracts, 2 carriers) | SUNLIFE AND HEALTH INSURANCE COMPANY | 196 | $86K |
| Other | SUNLIFE AND HEALTH INSURANCE COMPANY | 196 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.