| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | PO BOX 9101 PLAINVIEW, NY 11803 | ANTHEM HEALTH PLANS, INC. | $4K | $608 | $4K | 0.22% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | ANTHEM HEALTH PLANS, INC. | -$14 | $0 | -$14 | -0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 200 PARK AVENUE RM 322 NEW YORK, NY 10166 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HIGHWAY SOUTH BUILDING II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $292 | $292 | 0.60% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$40 | $0 | -$40 | -0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 200 PARK AVENUE, FLOOR 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $114 | $1K | 15.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TX HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.54% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 139 | $1.8M |
| Dental | ANTHEM HEALTH PLANS, INC. | 139 | $1.8M |
| Vision | ANTHEM HEALTH PLANS, INC. | 139 | $1.8M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 207 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 207 | $49K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 139 | $1.8M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 207 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.