| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 21ST FLOOR PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $688 | $688 | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVENUE 32ND FLOOR NEW YORK, NY 10166 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 11803 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $44 | $2K | 15.76% |
| NFP INSURANCE SERVICES INC3 | 200 PARK AVE RM 3202 ATTN ACCOUNTING NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $288 | $288 | 2.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $95 | $0 | $95 | 0.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $44 | $2K | 13.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 200 PARK AVE RM 3202 ATTN ACCOUNTING NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $295 | $295 | 2.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $111 | $0 | $111 | 0.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $44 | $2K | 15.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 ATTN ACCOUNTING NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $256 | $256 | 2.17% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $83 | $0 | $83 | 0.70% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 374 | $845K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 264 | $221K |
| Vision | VISION SERVICE PLAN | 262 | $35K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 302 | $211K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 302 | $182K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 302 | $182K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 302 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.