| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 6.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 4.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $371 | $371 | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 6450 ROCKSIDE WOODS BLVD. S. SUITE 250 CINCINNATI, OH 44131 | STANDARD INSURANCE COMPANY | $1K | $93 | $1K | 5.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $260 | $260 | 1.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $218 | $218 | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 6450 ROCKSIDE WOODS BLVD. S. SUITE 250 CINCINNATI, OH 44131 | STANDARD INSURANCE COMPANY | $287 | $42 | $329 | 5.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG. 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $59 | $59 | 1.03% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $49 | $49 | 0.85% |
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 | 70 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 70 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 40 | $26K |
| Vision | STANDARD INSURANCE COMPANY | 47 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $114K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $114K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $114K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 54 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.