| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | UNITEDHEALTHCARE INSURANCE COMPANY | $135K | $0 | $135K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE SUITE 3202 NEW YORK, NY 10166 | GUARDIAN | $4K | $24K | $28K | 12.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 NEW YORK, NY 10173 | UNUM INSURANCE COMPANY | $8K | $4K | $12K | 9.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $2K | $7K | 8.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 200 PARK AVE SUITE 3202 NEW YORK, NY 10166 | EYEMED VISION CARE | $2K | $0 | $2K | 8.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | PO BOX 786677 PHILIDELPHIA, PA 19178 | EYEMED VISION CARE | $757 | $0 | $757 | 3.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $780 | $4K | 18.86% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $4.5M |
| Dental | GUARDIAN | 194 | $227K |
| Vision | EYEMED VISION CARE | 412 | $21K |
| Life insurance | UNUM INSURANCE COMPANY | 205 | $127K |
| Long-term disability | UNUM INSURANCE COMPANY | 205 | $127K |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 205 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.