| 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 | $4.0M | $2.0M | $6.0M | 3.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH, INC | 1111 METROPOLITAN AVENUE CHARLOTTE, NC 28204 | AETNA LIFE INSURANCE COMPANY | $67K | $31K | $99K | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $683K | $80K | $763K | 15.34% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 721 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $1K | $44K | 1.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $138K | $18K | $156K | 15.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | — | $16K | $16K | 2.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | $50K | $4K | $54K | 13.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | $54K | $7K | $61K | 15.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | METLIFE LEGAL PLANS | $39K | $12K | $51K | 13.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $49K | $7K | $56K | 15.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | $50K | $8K | $58K | 17.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | $32K | $1K | $33K | 13.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | $33K | $5K | $38K | 16.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $27K | $4K | $31K | 15.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | $24K | $4K | $28K | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | $13K | $3K | $16K | 18.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $12K | $1K | $13K | 15.32% |
| 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 | $11K | 16.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $8K | $642 | $8K | 15.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | $4K | $126 | $5K | 10.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $5K | $1 | $5K | 11.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | $2K | — | $2K | 6.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $2K | $385 | $3K | 17.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD OF NEW YORK | $236 | $31 | $267 | 15.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(NY)LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $109 | — | $109 | 6.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | — | $2K | $2K | — |
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 | 33,983 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 192 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 25,314 | $185.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 25,314 | $188.1M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 25,314 | $188.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 37,513 | $5.0M |
| Short-term disability(10 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 866 | $1.3M |
| Long-term disability(11 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,100 | $3.2M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 37,513 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,513 | — |
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.