| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP RUGGIERI3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $85K | $85K | 3.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 0.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.14% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $41 | $2K | 0.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $704 | $0 | $704 | 0.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $587 | $587 | 0.24% |
| RUGGIERI, PHILIP3 | C/O RUGGIERI CONSULTING 355 LEXINGTON AVE 22ND FL NEW YORK, NY 10017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $611 | $220 | $831 | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: THE RUGGIERI CONSULTING GROUP | 355 LEXINGTON AVE FL 22 NEW YORK, NY 10017 | HM LIFE INSURANCE COMPANY | $626 | $0 | $626 | 3.00% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 367 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 452 | $247K |
| Vision | HM LIFE INSURANCE COMPANY | 235 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $110K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $110K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $110K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.