| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $26K | $89K | 3.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 1250 S CAPITAL OF TEXAS HIGHWAY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | -$18K | $0 | -$18K | -0.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $40K | $22K | $62K | 4.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $9K | $12K | 2.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | — | DAVIS VISION | $6K | $0 | $6K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE COMPANY | -$11K | $2K | -$9K | -8.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | HYATT LEGAL PLANS, INC. | $7K | $116 | $7K | 10.21% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVENUE, SUITE 531 NEW YORK, NY 10170 | HYATT LEGAL PLANS, INC. | $0 | $851 | $851 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $173 | $30 | $203 | 11.74% |
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 | 1,820 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $141K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,789 | $2.4M |
| Vision | DAVIS VISION | 2,721 | $230K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,808 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 2,504 | $526K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 2,504 | $524K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $141K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,789 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,789 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.