| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $111K | $111K | 3.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $3K | $12K | 8.72% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $506 | $506 | 0.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | DELTA DENTAL OF RHODE ISLAND | $1K | $0 | $1K | 2.50% |
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 | 749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 436 | $3.6M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 185 | $55K |
| Vision | VISION SERVICE PLAN | 360 | $58K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 749 | $135K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 749 | $135K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 749 | $135K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 749 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.