| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | LIFE INS CO OF NO AMERICA | $30K | — | $30K | 10.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | LIFE INS CO OF NO AMERICA | $26K | — | $26K | 14.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | LIFE INS CO OF NO AMERICA | $11K | — | $11K | 13.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | GUARDIAN | $18K | — | $18K | 23.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | NATIONAL GUARDIAN LIFE | $7K | — | $7K | 9.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | LIFE INS CO OF NO AMERICA (NYL) | $135 | — | $135 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CONTRACT ADMINISTRATOR | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $605K |
| NFP CORPORATE SERVICES UT EIN 26-3781081 BROKER | Insurance agents and brokers Service code 22 | — | $92K |
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 | 645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE | 460 | $72K |
| Life insurance | LIFE INS CO OF NO AMERICA | 492 | $281K |
| Short-term disability | LIFE INS CO OF NO AMERICA | 143 | $80K |
| Long-term disability | LIFE INS CO OF NO AMERICA | 454 | $187K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 492 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.