| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | CIGNA | $189K | $0 | $189K | 19.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $0 | $25K | 7.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 1901 ROXBOROUGH RD STE 300 NORTH CAROLINA, NC 28211 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $173 | $11K | 12.23% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 200 PARK AVE 21ST FL RM 3202 NEW YORK, NY 10166 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | $4K | $8K | 10.05% |
| CAPITAL WEALTH STRATEGIES LLC3 Filed as: 1250 S CAPITAL OF TEXAS HWY | #2-125 AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $1K | $1K | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES NY LLC | 200 PARK AVE RM 3202 21ST FLOOR NEW YORK, NY 10166 | SUN LIFE ASSURANCE COMPNAY OF CANADA | $1K | $0 | $1K | 9.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECES NY LLC | 200 PARK AVE RM 3202 21ST FLOOR NEW YORK, NY 10166 | SUN LIFE AND HEALTH INSURANCE COMPANY | $846 | $0 | $846 | 10.00% |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 108 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 408 | $958K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $340K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $340K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 318 | $92K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 421 | $97K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 318 | $92K |
| Prescription drug | CIGNA | 408 | $958K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.