| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXCELL BENEFIT GROUP LLC3 | 707 SKOKIE BOULEVARD NORTHBROOK, IL 60062 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 4.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | AETNA LIFE INSURANCE CO | $568 | — | $568 | 0.65% |
| RICHARD L FAHN3 | 707 SKOKIE SUITE 600 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $418 | $9K | 15.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $861 | $43 | $904 | 1.59% |
| RICHARD L FAHN3 | 707 SKOKIE SUITE 600 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $436 | $6K | 14.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $329 | $16 | $345 | 0.79% |
| RICHARD L FAHN3 | 707 SKOKIE SUITE 600 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $164 | $3K | 15.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $256 | $13 | $269 | 1.25% |
| EXCELL BENEFIT GROUP LLC3 | 707 SKOKIE BOULEVARD SUITE 600 NORTHBROOK, IL 60062 | FIDELITY LIFE INSURANCE COMPANY | $852 | — | $852 | 8.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 500 WEST MADISON STREET SUITE 2700 CHICAGO, IL 60661 | FIDELITY LIFE INSURANCE COMPANY | $119 | — | $119 | 1.22% |
| RICHARD FAHN3 | 707 SKOKIE SUITE 600 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $128 | $1K | 14.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32 | $2 | $34 | 0.36% |
| RICHARD L FAHN3 | 707 SKOKIE SUITE 600 NORTHBROOK, IL 60062 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $451 | $41 | $492 | 16.10% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $28 | $28 | 0.92% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 264 | $88K |
| Vision | FIDELITY LIFE INSURANCE COMPANY | 224 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $65K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $57K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $43K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.