| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO INC | — | CIGNA | $98K | — | $98K | 10.19% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC | — | CIGNA | — | $74K | $74K | 7.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | UNITED OF OMAHA | $9K | $4K | $13K | 22.38% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $890 | $890 | 1.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | UNITED OF OMAHA | $7K | $3K | $9K | 21.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | — | UNITED OF OMAHA | — | $598 | $598 | 1.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | UNITED OF OMAHA | $6K | $3K | $9K | 22.18% |
| FMLASOURCE INC5 | — | UNITED OF OMAHA | — | $5K | $5K | 11.85% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $614 | $614 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | UNITED OF OMAHA | $4K | $2K | $6K | 21.63% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $357 | $357 | 1.38% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | — | COLONIAL LIFE | $3K | $392 | $4K | 18.90% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | — | PRE-PAID LEGAL SERVICES INC | $2K | — | $2K | 21.35% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 331 | $985K |
| Dental | CIGNA | 331 | $966K |
| Vision | CIGNA | 331 | $966K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 196 | $69K |
| Short-term disability | UNITED OF OMAHA | 63 | $41K |
| Long-term disability | UNITED OF OMAHA | 72 | $58K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA | 196 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.