| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO INC | — | CIGNA | $98K | — | $98K | 9.59% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC | — | CIGNA | — | $83K | $83K | 8.14% |
| OLSON & OLSON INS. SVCS., INC.3 Filed as: OLSON & OLSON INS SVCS INC | — | CIGNA | $136 | — | $136 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | UNITED OF OMAHA | $10K | $2K | $12K | 18.23% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $890 | $890 | 1.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | UNITED OF OMAHA | $7K | $1K | $8K | 17.96% |
| FMLASOURCE INC3 | — | UNITED OF OMAHA | — | $4K | $4K | 9.47% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $565 | $565 | 1.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | UNITED OF OMAHA | $7K | $2K | $8K | 18.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | — | UNITED OF OMAHA | — | $729 | $729 | 1.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | UNITED OF OMAHA | $4K | $786 | $5K | 17.96% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $327 | $327 | 1.23% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 307 | $1.0M |
| Dental | CIGNA | 307 | $1.0M |
| Vision | CIGNA | 307 | $1.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA | 187 | $71K |
| Short-term disability | UNITED OF OMAHA | 64 | $46K |
| Long-term disability | UNITED OF OMAHA | 79 | $66K |
| Other(2 contracts) | UNITED OF OMAHA | 187 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
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.