| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC | — | PRINCIPAL | $8K | — | $8K | 6.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC | — | GUARDIAN | $9K | — | $9K | 53.56% |
| ENROLLEASE3 | — | GUARDIAN | $489 | — | $489 | 3.00% |
| RYAN H BECK3 | — | GUARDIAN | $137 | — | $137 | 0.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP INSURANCE SERVICES EIN 26-3781081 BROKER | Insurance agents and brokers Service code 22 | — | $79K |
| CIGNA EIN 54-2064884 THIRD PARTY ADM | Contract Administrator Service code 13 | — | $79K |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 333 | $402K |
| Dental | PRINCIPAL | 354 | $130K |
| Vision | PRINCIPAL | 354 | $130K |
| Life insurance | PRINCIPAL | 354 | $130K |
| Other | GUARDIAN | 73 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.