| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 4.00% |
| AGS BENEFITS GROUP LLC3 | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | $0 | $19K | 5.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL OF NEW YORK | $3K | $0 | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $6K | $2K | $8K | 18.07% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $0 | $299 | $299 | 0.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY)LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL OF NEW YORK | $1K | $0 | $1K | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | EYEMED | $2K | $0 | $2K | 9.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HYATT LEGAL PLANS | $245 | $30 | $275 | 11.23% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 195 | $85K |
| Vision | EYEMED | 259 | $16K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 472 | $42K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 472 | $42K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 472 | $42K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 472 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.