| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIASTAR LIFE INSURANCE COMPANY | — | $49K | $49K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 12.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $9K | — | $9K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT SUITE 600 NEWPORT BEACH, CA 92660 | EVERNORTH BEHAVIORAL HEALTH, INC. | $5K | — | $5K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | — | $4K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | — | $4K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $890 | — | $890 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $434 | — | $434 | 10.00% |
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 | 1,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 560 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,053 | $207K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,053 | $207K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,677 | $40K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,677 | $89K |
| Other(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,558 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,558 | — |
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.