| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | BCBS OF SC | $29K | — | $29K | 5.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | — | DELTA DENTAL | $4K | $102 | $4K | 8.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $3K | $1K | $5K | 20.43% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $264 | $264 | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $2K | $853 | $3K | 20.75% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $178 | $178 | 1.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $1K | $543 | $2K | 20.64% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $113 | $113 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $957 | $474 | $1K | 14.95% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $99 | $99 | 1.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | — | PHYSICIANS EYECARE PLAN | $914 | — | $914 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $1K | $490 | $2K | 21.03% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $102 | $102 | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $336 | $177 | $513 | 15.27% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $37 | $37 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | — | MD VIRTURAL CARE | $600 | — | $600 | 32.75% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBS OF SC | 90 | $547K |
| Dental | DELTA DENTAL | 152 | $47K |
| Vision | PHYSICIANS EYECARE PLAN | 117 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 129 | $27K |
| Short-term disability | UNITED OF OMAHA | 58 | $10K |
| Long-term disability | UNITED OF OMAHA | 47 | $15K |
| Other(4 contracts) | UNITED OF OMAHA | 129 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.