| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $33K | — | $33K | 5.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 12.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $747 | $10K | 11.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $393 | $8K | 15.64% |
| 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 | $992 | $12K | 56.18% |
| RICHARD FAHN3 | 707 SKOKIE SUITE 600 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC.-CHICAG | 500 WEST MADISON STREET SUITE 2700 CHICAGO, IL 60661 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET CHICAGO, IL 60661 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 100.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $192 | $2K | 51.10% |
| RICHARD FAHN3 | 707 SKOKIE SUITE 600 NORTHBROOK, IL 60062 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $11 | $181 | 3.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $136 | $136 | 2.92% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 359 | $6K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 311 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $142K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $121K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $89K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 195 | $618K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.