| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | ANTHEM BLUE CROSS | $82K | $0 | $82K | 2.62% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FLOOR ISELIN, NJ 08830 | ANTHEM BLUE CROSS | $8K | $0 | $8K | 0.25% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVCES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS | $0 | $3K | $3K | 0.10% |
| MBL BENEFITS CONSULTING CORP3 Filed as: MBL BENEFIT CONSULTING CORPORATION | 323 WEST 39TH STREET, 11TH FLOOR NEW YORK, NY 10018 | ANTHEM BLUE CROSS | -$2K | $0 | -$2K | -0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 16341 AMOTA CT ENCINO, CA 91436 | GUARDIAN | $16K | $5K | $22K | 7.56% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 291 | $3.1M |
| Dental | GUARDIAN | 184 | $287K |
| Vision | GUARDIAN | 184 | $287K |
| Life insurance | GUARDIAN | 184 | $287K |
| Short-term disability | GUARDIAN | 184 | $287K |
| Long-term disability | GUARDIAN | 184 | $287K |
| Prescription drug | ANTHEM BLUE CROSS | 291 | $3.1M |
| Other | GUARDIAN | 184 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.