| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $56K | — | $56K | 1.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SVCS (IL) INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $223K | — | $223K | 18.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET FLOOR 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $15K | $3K | $18K | 17.61% |
| PAYOCITY CORPORATION3 | RETURN TO HOME OFFICE PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 3.90% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET FLOOR 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $9K | $2K | $11K | 12.85% |
| PAYLOCITY CORPORATION3 | RETURN TO HOME OFFICE PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET FLOOR 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $7K | $2K | $9K | 12.99% |
| PAYLOCITY CORPORATION3 | RETURN TO HOME OFFICE PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET FLOOR 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 18.83% |
| PAYLOCITY CORPORATION3 | RETURN TO HOME OFFICE PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $823 | $823 | 3.10% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $308 | $308 | 1.16% |
| 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 | $3K | — | $3K | 15.43% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 561 | $3.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 334 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 259 | $69K |
| Short-term disability | STANDARD INSURANCE COMPANY | 315 | $101K |
| Long-term disability | STANDARD INSURANCE COMPANY | 259 | $86K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $1.2M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 259 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.