| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS INC. | PO BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $2.9M | $1.6M | $4.5M | 1.28% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC | NORTHERN TRUST BANK CHICAGO, IL 60675 | AETNA LIFE INSURANCE COMPANY | $32K | $21K | $53K | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC | 1111 METROPOLITAN AVENUE CHARLOTTE, NC 28204 | AETNA LIFE INSURANCE COMPANY | $20K | $10K | $30K | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $539K | $59K | $598K | 16.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY OF NEW YORK | — | $14K | $14K | 1.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $108K | $10K | $118K | 16.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $48K | $5K | $53K | 14.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY OF NEW YORK | $49K | $6K | $55K | 15.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY OF NEW YORK | $52K | $5K | $57K | 16.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | METLIFE LEGAL PLANS | $34K | $2K | $36K | 10.63% |
| AGS BENEFITS GROUP LLC3 | 41 MADISON AVENUE 41ST FLOOR NEW YORK, NY 10010 | METLIFE LEGAL PLANS | — | $32 | $32 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $31K | $4K | $35K | 16.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY OF NEW YORK | $22K | $3K | $25K | 14.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $11K | $1K | $13K | 16.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY OF NEW YORK | $8K | $27 | $8K | 11.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $10K | $1K | $11K | 16.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 13.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $9K | $1K | $10K | 17.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $3K | $372 | $3K | 16.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY OF NEW YORK | $193 | $9 | $202 | 12.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY OF NEW YORK | $246 | $30 | $276 | 16.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - NY LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $59 | $240 | $299 | 76.28% |
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 | 155,476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,919 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 23,825 | $354.9M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 23,825 | $355.8M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 23,825 | $355.8M |
| Life insurance | STANDARD INSURANCE COMPANY | 29,191 | $3.6M |
| Short-term disability(7 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 729 | $1.1M |
| Long-term disability(10 contracts, 2 carriers) | STANDARD INSURANCE COMPANY OF NEW YORK | 5,983 | $2.3M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 29,191 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,191 | — |
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.