| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | CIGNA | $13K | $70K | $83K | 5.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | NEW YORK LIFE | $7K | $1K | $8K | 22.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | NEW YORK LIFE | $6K | $859 | $7K | 22.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | NEW YORK LIFE | $4K | $468 | $4K | 22.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC UT | — | NEW YORK LIFE | $715 | $66 | $781 | 21.85% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 180 | $1.6M |
| Dental | CIGNA | 166 | $1.6M |
| Vision | CIGNA | 166 | $1.6M |
| Life insurance | NEW YORK LIFE | 203 | $18K |
| Short-term disability | NEW YORK LIFE | 122 | $34K |
| Long-term disability | NEW YORK LIFE | 122 | $30K |
| Other | NEW YORK LIFE | 203 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.