| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONDUENT HR CONSULTING LLC3 | — | SECURIAN LIFE INSURANCE COMPANY | $120K | $26K | $146K | 12.74% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $15K | $15K | 2.30% |
| NFP INSURANCE SERVICES INC3 | 1250 5 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.35% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTANTS LLC | PO BOX 202617 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $9K | $32K | 6.95% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTANTS, LLC | PO BOX 202617 DALLAS, TX 753202617 | VISION SERVICE PLAN | $5K | — | $5K | 1.71% |
| CONDUENT HR CONSULTING LLC3 | — | SECURIAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 12.25% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTANTS LLC | PO BOX 202617 DALLAS, TX 75320 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $21 | $18 | $39 | 3.68% |
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 | 1,508 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,189 | $271K |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,661 | $1.4M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 12 | $1K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,511 | $462K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,404 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,661 | — |
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.