| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTEIRTY GROUP LLC3 | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE CO. | $33K | $0 | $33K | 0.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE CO. | $13K | $0 | $13K | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.02% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $964 | $0 | $964 | 0.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $8K | 14.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $459 | $459 | 0.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.22% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $587 | $587 | 1.29% |
| ALTERITY BROKERS SOLUTIONS INC3 Filed as: ALTERITY-NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $3K | $0 | $3K | 6.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $2K | $0 | $2K | 4.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $245 | $2K | 17.12% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $77 | $77 | 0.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $791 | $136 | $927 | 17.59% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $42 | $42 | 0.80% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 110 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 497 | $4.3M |
| Dental | AETNA LIFE INSURANCE CO. | 497 | $4.3M |
| Vision | EYEMED VISION CARE | 397 | $41K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 338 | $170K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 31 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 341 | $54K |
| Other(2 contracts, 2 carriers) | NEW DIRECTIONS BEHAVIORAL HEALTH | 359 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.
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.