| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $45K | $45K | 0.97% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $35K | $35K | 0.76% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $9K | $2K | $12K | 12.40% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 1.08% |
| ALTERITY BROKER SOLUTIONS3 | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $828 | $828 | 0.88% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | $2K | $8K | 12.27% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $697 | $697 | 1.03% |
| ALTERITY BROKER SOLUTIONS3 | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $606 | $606 | 0.89% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.63% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $699 | $4K | 12.32% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $315 | $315 | 1.04% |
| ALTERITY BROKER SOLUTIONS3 | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $269 | $269 | 0.89% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $707 | $5K | 17.48% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $320 | $320 | 1.12% |
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 | 309 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 301 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 441 | $60K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 441 | $60K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 308 | $59K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 309 | $68K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 309 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.