| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | CIGNA | $11K | — | $11K | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | NEW YORK LIFE | $6K | $2K | $7K | 23.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | NEW YORK LIFE | $5K | $1K | $6K | 22.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | GUARDIAN | $5K | $802 | $6K | 27.54% |
| RYAN HANS BECK3 | — | GUARDIAN | $5K | — | $5K | 24.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | NEW YORK LIFE | $3K | $688 | $3K | 23.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | NEW YORK LIFE | $525 | $140 | $665 | 23.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 TPA | Contract Administrator; Claims processing Service code 12 | — | $50K |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 154 | $1.3M |
| Dental | CIGNA | 154 | $1.3M |
| Vision | CIGNA | 154 | $1.3M |
| Life insurance | NEW YORK LIFE | 187 | $14K |
| Short-term disability | NEW YORK LIFE | 112 | $31K |
| Long-term disability | NEW YORK LIFE | 112 | $26K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 138 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.