| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIP GROUP INC3 Filed as: NIP GROUP | 900 ROUTE 9 NORTH STE 503 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE COMPANY | $1.2M | — | $1.2M | 1.77% |
| COMPASS CONSULTING GROUP INC3 | SOUTHPOINT BOULEVARD SUITE 201 JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE COMPANY | $87K | — | $87K | 0.13% |
| NIP GROUP INC3 | 900 ROUTE 9 NORTH WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 2.35% |
| NIP GROUP INC3 | 900 ROUTE 9 NORTH WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 2.50% |
| NIP GROUP INC3 | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 07095 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 10.00% |
| NIP GROUP INC3 | 900 ROUTE 9 NORTH WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 2.50% |
| MARQUIS INSURANCE AGENCY3 Filed as: MARQUIS AGENCY | 900 ROUTE 9 NORTH, STE 503 WOODBRIDGE, NJ 07095 | HORIZON HEALTHCARE SERVICES, INC. | $4K | — | $4K | 3.98% |
| NIP GROUP INC Filed as: NIP GROUP | 900 ROUTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $724 | — | $724 | 2.41% |
| NIP GROUP INC3 Filed as: NIP GROUP | 900 ROUTE 9 NORTH SUITE 503 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $17 | — | $17 | 15.45% |
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 | 36,901 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 36,901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 15,328 | $69.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 15,328 | $69.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 15,328 | $69.0M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 15,328 | $69.0M |
| Short-term disability(7 contracts) | STANDARD INSURANCE COMPANY | 3,667 | $968K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 15,328 | $69.0M |
| Other(9 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 15,328 | $70.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,328 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.