| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 13.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 9.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | COMPANION LIFE INS. CO. GROUP DENTAL INDEMNITY PLAN | $5K | — | $5K | 9.60% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS INC. | 55 E. 5TH ST., #500 SAINT PAUL, MN 55101 | COMPANION LIFE INS. CO. GROUP DENTAL INDEMNITY PLAN | $3K | — | $3K | 4.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | COMPANION LIFE INS. CO. GROUP DENTAL INDEMNITY PLAN | $2K | — | $2K | 10.37% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 55 EAST 5TH ST., #500 SAINT PAUL, MN 55101 | COMPANION LIFE INS. CO. GROUP DENTAL INDEMNITY PLAN | $793 | — | $793 | 4.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | AETNA LIFE INSURANCE CO. | $256 | — | $256 | 4.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPOARATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $3K | — | $3K | — |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 197 | $145K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 323 | $113K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 323 | $113K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 323 | $113K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 323 | $113K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.