| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $83K | $83K | 4.31% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.08% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFITS CONSULTING GROUP | 323 WEST 39TH ST 11TH FLOOR NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$25 | $0 | -$25 | -0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | NEW YORK LIFE GROUP INSURANCE COMPANY | $3K | $0 | $3K | 13.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $2K | $4K | 24.45% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $337 | $337 | 1.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | NEW YORK LIFE GROUP INSURANCE COMPANY | $1K | $0 | $1K | 10.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $37 | $2K | 15.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $15 | $15 | 0.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | NEW YORK LIFE GROUP INSURANCE COMPANY | $421 | $0 | $421 | 12.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $37 | $2K | $2K | 642.80% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, NY 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $327 | $327 | 130.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | COMPANION LIFE INSURANCE COMPANY | $8 | $268 | $276 | 501.82% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $56 | $56 | 101.82% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $0 | $3 | $3 | 5.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $3 | $85 | $88 | 517.65% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $18 | $18 | 105.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $82 | $82 | — |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $17 | $17 | — |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $0 | $770 | $770 | — |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $1.9M |
| Life insurance(4 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY | 0 | $13K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 139 | $17K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY | 0 | $26K |
| Other(5 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 36 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.