| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $2K | $2K | $4K | 4.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 255 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 18.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 65.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 255 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $1K | $639 | $2K | 14.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $628 | — | $628 | 10.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $72 | $162 | $234 | 7.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF VT EIN 03-0277307 CONTRACT ADM | Claims processing; Contract Administrator; Insurance services Service code 12 | — | $58K |
| NFP CORPORATE SERVICES (NY) LLC BROKER | Insurance brokerage commissions and fees Service code 53 | PO BOX 2343 SOUTH BURLINGTON, VT 05403 | $33K |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 104 | $77K |
| Vision | STANDARD INSURANCE COMPANY | 104 | $3K |
| Life insurance | STANDARD INSURANCE COMPANY | 138 | $12K |
| Short-term disability | STANDARD INSURANCE COMPANY | 24 | $6K |
| Long-term disability | STANDARD INSURANCE COMPANY | 138 | $22K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 168 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.