| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN INC | $30K | $0 | $30K | 4.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH INC | $22K | $0 | $22K | 5.02% |
| 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 | $9K | $0 | $9K | 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.) | $14K | $1K | $15K | 13.47% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $171 | $171 | 0.15% |
| 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 | $4K | $0 | $4K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $5K | $0 | $5K | 9.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $401 | $40 | $441 | 11.20% |
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 | 1,083 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 112 | $1.0M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 568 | $273K |
| Vision | EYEMED VISION CARE | 742 | $51K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,083 | $111K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,083 | $111K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,083 | $111K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,083 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.