| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $0 | $25K | 21.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 11.89% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $537 | $537 | 0.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.66% |
| WORKFORCE CONCEPTS LLC3 Filed as: WORKFORCE CONCEPTS | 7129 GREENWOOD AVE BALTIMORE, MD 21206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 7.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $136 | $0 | $136 | 0.76% |
| WORKFORCE CONCEPTS LLC3 Filed as: WORKFORCE CONCEPTS | 7129 GREENWOOD AVE BALTIMORE, MD 21206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $120 | $0 | $120 | 0.68% |
| WORKFORCE CONCEPTS LLC3 Filed as: WORKFORCE CONCEPTS | 7129 GREENWOOD AVE BALTIMORE, MD 21206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $970 | $0 | $970 | 8.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79 | $0 | $79 | 0.69% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 483 | $118K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 400 | $28K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 514 | $104K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 514 | $104K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 514 | $104K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 514 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.