| 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 | $0 | $412K | $412K | 3.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE SUITE 3202 NEW YORK, NY 10166 | DELTA DENTAL INSURANCE COMPANY | $32K | $0 | $32K | 5.00% |
| 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 | $119K | $0 | $119K | 25.83% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $27K | $27K | 5.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE 32ND FLOOR NEW YORK, NY 10166 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10173 | ARAG SERVICES, LLC | $4K | $0 | $4K | 15.00% |
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 | 948 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,529 | $11.7M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,836 | $642K |
| Vision | VISION SERVICE PLAN | 726 | $120K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $459K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $459K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $459K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,529 | — |
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.