| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLANVIEW, NY 11803 | UNITEDHEALTHCARE INSURANCE COMPANY | $203K | $0 | $203K | 2.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | EYEMED VISION CARE | $3K | $0 | $3K | 5.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $1K | $0 | $1K | 1.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVENUE SUITE 3202 NEW YORK, NY 10166 | EYEMED VISION CARE | $28 | $0 | $28 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | ARAG INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE 32ND FLOOR NEW YORK, NY 10166 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 40.78% |
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 | 968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 840 | $6.8M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 883 | $369K |
| Vision | EYEMED VISION CARE | 885 | $61K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $38K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 840 | $6.8M |
| Other(3 contracts, 3 carriers) | ARAG INSURANCE COMPANY | 160 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.