| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | BCBS OF SC | $26K | — | $26K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | — | DELTA DENTAL | $4K | $375 | $4K | 9.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $4K | $1K | $6K | 14.85% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $301 | $301 | 0.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $2K | $900 | $3K | 19.71% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $187 | $187 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $2K | $620 | $3K | 19.82% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $129 | $129 | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $2K | $520 | $2K | 20.07% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $108 | $108 | 1.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | — | PHYSICIANS EYECARE PLAN | $966 | — | $966 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $957 | $551 | $2K | 15.75% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $115 | $115 | 1.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $374 | $195 | $569 | 15.21% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $41 | $41 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | — | MD VIRTURAL CARE | $834 | — | $834 | 32.76% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBS OF SC | 97 | $641K |
| Dental | DELTA DENTAL | 155 | $49K |
| Vision | PHYSICIANS EYECARE PLAN | 122 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 144 | $42K |
| Short-term disability | UNITED OF OMAHA | 54 | $10K |
| Long-term disability | UNITED OF OMAHA | 51 | $17K |
| Other(4 contracts) | UNITED OF OMAHA | 144 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.