| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $196K | $196K | 3.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL INSURANCE COMPANY | $42K | $0 | $42K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $7K | $48K | 116.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METLIFE LEGAL PLANS, INC. | $2K | $7 | $2K | 11.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METLIFE LEGAL PLANS, INC. | $0 | $124 | $124 | 0.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $263 | $0 | $263 | — |
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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,049 | $5.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,026 | $416K |
| Vision | VISION SERVICE PLAN | 387 | $69K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 570 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 570 | $41K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 570 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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.
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.