| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $163K | $0 | $163K | 2.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL PLAN OF MAINE | $10K | $0 | $10K | 2.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $15K | $36K | 12.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPTIAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 5.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 4.88% |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 982 | $8.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 1,121 | $443K |
| Vision | AETNA LIFE INSURANCE COMPANY | 982 | $7.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $296K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $296K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $296K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,121 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.