| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 2.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 2.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVCIES NY LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 2.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | SIMNSA | $7K | $0 | $7K | 7.00% |
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 | 2,298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIMNSA | 37 | $93K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,719 | $1.1M |
| Vision | DEARBORN LIFE INSURANCE | 1,541 | $99K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,477 | $452K |
| Short-term disability | STANDARD INSURANCE COMPANY | 532 | $239K |
| Long-term disability | STANDARD INSURANCE COMPANY | 471 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,719 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.