| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $8K | $30K | 3.91% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 2.03% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $6K | $17K | 2.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $3K | $6K | 1.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $4K | $0 | $4K | 1.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 14.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $556 | $8K | 11.64% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 133 PROSPECT STREET WESTFIELD, NJ 07090 | FEDERAL INSURANCE COMPANY | $0 | $3K | $3K | 15.00% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | DELTA DENTAL OF NEW YORK | $20K | $0 | $20K | — |
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 | 1,707 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 3,238 | $0 |
| Vision | VISION SERVICE PLAN | 1,066 | $209K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,094 | $777K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,519 | $394K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,738 | $698K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,094 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,238 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.