| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD ROAD, STE 145 COLUMBIA, MD 21046 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BLDG 2 STE 125, 1250 CAPITAL OF TX AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.96% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.80% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD ROAD, STE 145 COLUMBIA, MD 21046 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.11% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BLDG 2 STE 125, 1250 CAPITAL OF TX AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $716 | — | $716 | 0.93% |
| JOHN A. SCOTTI3 | 100 STANWIX STREET PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.90% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD ROAD, STE 145 COLUMBIA, MD 21046 | STANDARD INSURANCE COMPANY | $806 | — | $806 | 2.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BLDG 2 STE 125, 1250 CAPITAL OF TX AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $528 | — | $528 | 1.43% |
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 | 365 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 231 | $37K |
| Life insurance | STANDARD INSURANCE COMPANY | 365 | $77K |
| Long-term disability | STANDARD INSURANCE COMPANY | 364 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.