| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATHERINE C WOOD3 Filed as: KATHERINE A HENRY | — | HIGHMARK DELAWARE | $297K | $0 | $297K | 2.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVENUE RM 3202 NEW YORK, NY 10166 | AMERITAS LIFE INSURANCE | $6K | $9K | $15K | 2.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $7K | 3.14% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $7K | 5.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $6K | $0 | $6K | 7.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 91786 | EYEMED VISION CARE | $3K | $0 | $3K | 3.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $696 | $0 | $696 | 65.85% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $67 | $67 | 6.34% |
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 | 643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 1,257 | $11.2M |
| Dental | AMERITAS LIFE INSURANCE | 1,315 | $520K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE | 1,315 | $590K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 643 | $234K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 20 | $1K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 645 | $109K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 643 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,315 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.