| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 12.33% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $351 | $351 | 0.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.37% |
| WORKFORCE CONCEPTS LLC3 Filed as: WORKFORCE CONCEPTS | 5208 CASTLESTONE DRIVE BALTIMORE, MD 21237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 55.00% |
| WORKFORCE CONCEPTS LLC3 Filed as: WORKFORCE CONCEPTS | 5208 CASTLESTONE DRIVE BALTIMORE, MD 21237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 55.00% |
| WORKFORCE CONCEPTS LLC3 Filed as: WORKFORCE CONCEPTS | 5208 CASTLESTONE DRIVE BALTIMORE, MD 21237 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 55.00% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 111 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 531 | $141K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 520 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 555 | $126K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 555 | $126K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 555 | $126K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 555 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.