| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY GROUP | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE OF CANADA | $56K | $34K | $89K | 7.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE OF CANADA | $56K | — | $56K | 4.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA GROUP INSURANCE | $15K | $3K | $18K | 10.20% |
| BRUCE MORDINI3 | 499 S. RIDGE RD LAKE FOREST, IL 60045 | CIGNA GROUP INSURANCE | $6K | $0 | $6K | 3.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA GROUP INSURANCE | $12K | $3K | $15K | 10.82% |
| BRUCE MORDINI3 | 499 S. RIDGE RD LAKE FOREST, IL 60045 | CIGNA GROUP INSURANCE | $5K | $0 | $5K | 3.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA GROUOP INSURANCE | $13K | $2K | $15K | 12.22% |
| BRUCE MORDINI3 | 499 S. RIDGE RD LAKE FOREST, IL 60045 | CIGNA GROUOP INSURANCE | $5K | $0 | $5K | 4.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | GUARDIAN | $2K | $4K | $6K | 6.61% |
| BRUCE MORDINI3 | 499 S. RIDGE RD LAKE FOREST, IL 60045 | GUARDIAN | $1K | $0 | $1K | 1.45% |
| STRATEGO CONSULTING3 | 445 SHANNON RD DEERFIELD, IL 60015 | EYEMED | $4K | $0 | $4K | 9.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | 340 MADISON AVE NEW YORK, NY 10173 | EYEMED | $2K | $0 | $2K | 6.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | PRIVIDENT LIFE AND ACCIDENT INSURANCE CO | $7K | $174 | $7K | 24.64% |
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 | 2,968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 62 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,044 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
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.