| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 20.61% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 20.61% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 6333 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 20.55% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.42% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 133 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 133 | $53K |
| Long-term disability | STANDARD INSURANCE COMPANY | 133 | $37K |
| Other | STANDARD INSURANCE COMPANY | 133 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.