| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 500 W MADISON ST 32ND FLOOR CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE | $0 | $251K | $251K | 5.00% |
| STEVEN SCHAUMBERGER3 | 105 REVERE DRIVE STE G NORTHBROOK, IL 60062 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 5.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 5.15% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOPLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $97 | $97 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 500 W MADISION ST STE 2760 CHICAGO, IL 606614563 | PRINCIPAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 9.97% |
| WATCHTOWER BENEFITS, LLC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.49% |
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 | 785 | 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) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 574 | $5.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 765 | $300K |
| Vision | EYEMED VISION CARE | 691 | $51K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 487 | $340K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 487 | $340K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 487 | $340K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 487 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.