| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 12.40% |
| EBA SERVICES, LLC3 | 2149 MASTERS ROAD MARCELLUS, NY 13108 | COMPANION LIFE INSURANCE COMPANY | $1K | $964 | $2K | 4.92% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | — | $482 | $482 | 1.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | COMPANION LIFE INSURANCE COMPANY | $447 | — | $447 | 12.45% |
| EBA SERVICES, LLC3 | 2149 MASTERS ROAD MARCELLUS, NY 13108 | COMPANION LIFE INSURANCE COMPANY | $91 | $96 | $187 | 5.21% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | — | $48 | $48 | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | MUTUAL OF OMAHA INSURANCE COMPANY | $89 | — | $89 | 12.40% |
| EBA SERVICES, LLC3 | 2149 MASTERS ROAD MARCELLUS, NY 13108 | MUTUAL OF OMAHA INSURANCE COMPANY | $18 | $19 | $37 | 5.15% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $10 | $10 | 1.39% |
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 | 296 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 296 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.