| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $921 | $12K | 9.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 4.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $997 | $8K | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $220 | $5K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $168 | $4K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 500 WEST MADISON STREET SUITE 2700 CHICAGO, IL 60661 | FIDELITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.56% |
| RICHARD FAHN3 | 707 SKOKIE SUITE 600 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $323 | $22 | $345 | 5.01% |
| 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 | $114 | $11 | $125 | 1.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $10 | $122 | 4.72% |
| RICHARD L FAHN3 | 707 SKOKIE SUITE 600 NORTHBROOK, IL 60062 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $5 | $79 | 3.06% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.39% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 324 | $111K |
| Vision | FIDELITY LIFE INSURANCE COMPANY | 273 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $152K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $123K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.