| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $25K | $0 | $25K | 2.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $659 | $12K | 6.55% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.75% |
| NORTHWESTERN MUTUAL LIFE INS CO3 | 729 E WISCONSIN AVE MILWAUKEE, WI 53202 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $878 | $878 | 0.50% |
| JOHN R THORBAHN3 Filed as: JOHN R. THORBAHN | 141 LONGWATER DRIVE STE 101 NORWELL, MA 02061 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $613 | $21 | $634 | 2.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $553 | $43 | $596 | 1.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $28 | $28 | 0.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $292 | $25 | $317 | 10.42% |
| JOHN R THORBAHN3 Filed as: JOHN R. THORBAHN | 141 LONGWATER DR STE 101 NORWELL, MA 02161 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $26 | $26 | 0.85% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 244 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $176K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $176K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $176K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $176K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $176K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 244 | $1.1M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
No prospect flags tripped on this filing.