| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $48K | $48K | 4.10% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.83% |
| MBL BENEFITS CONSULTING CORP3 | 323 WEST 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.62% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.10% |
| NEW YORK RHB, LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $82 | $0 | $82 | 0.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $0 | $4K | 14.14% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $247 | $2K | $2K | 6.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $0 | $4K | 14.13% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $241 | $2K | $2K | 6.54% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $2K | $289 | $2K | 17.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $213 | $0 | $213 | 14.27% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $11 | $76 | $87 | 5.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $205 | $0 | $205 | 14.44% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $8 | $48 | $56 | 3.94% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $90K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $90K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 143 | $13K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 144 | $29K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 144 | $28K |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 143 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.