| 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 | NEIGHBORHOOD HEALTH PLAN, INC. | $92K | $0 | $92K | 3.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR - ATTN ACCOUNTING NEW YORK, NY 10173 | ALTUS DENTAL INSURANCE COMPANY, INC. | $5K | $0 | $5K | 3.00% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON CO. | P.O. BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 8.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.28% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.69% |
| AHA FINANCIAL SOLUTIONS, INC.3 | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $475 | $0 | $475 | 0.29% |
| LOUIS J BRUDNICK & SONS INSURANCE3 Filed as: LOUIS J BRUDNICK & SONS, INC. | P.O. BOX 6299 CHELSEA, MA 02150 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.96% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NEIGHBORHOOD HEALTH PLAN, INC. | 267 | $3.1M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 472 | $182K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 559 | $72K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 559 | $72K |
| Other(2 contracts) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 559 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.