| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $36K | $0 | $36K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $96K | $0 | $96K | 17.33% |
| PINETREE CAPITAL LLC3 | 5511 N UNIVERSITY DRIVE SUITE 104 CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $68K | $0 | $68K | 12.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $76K | $0 | $76K | 15.83% |
| PINETREE CAPITAL LLC3 | 5511 N UNIVERSITY DRIVE SUITE 104 CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $55K | $0 | $55K | 11.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $124K | $0 | $124K | 32.64% |
| PINETREE CAPITAL LLC3 | 5511 N UNIVERSITY DR STE 102 CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $108K | $0 | $108K | 28.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $31K | $0 | $31K | 12.55% |
| PINETREE CAPITAL LLC3 | 5511 N UNIVERSITY DRIVE SUITE 104 CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 8.09% |
| PINETREE CAPITAL LLC3 | 5511 N UNIVERSITY DRIVE SUITE 102 CORAL SPRINGS, FL 33067 | HUMANA INSURANCE COMPANY | $19K | $0 | $19K | 9.81% |
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 | 2,024 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 685 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 2,257 | $1.2M |
| Vision | HUMANA INSURANCE COMPANY | 1,888 | $189K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,531 | $554K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,227 | $249K |
| Long-term disability | STANDARD INSURANCE COMPANY | 952 | $480K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,993 | $2.1M |
| Other | STANDARD INSURANCE COMPANY | 1,531 | $554K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,993 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.