| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | $57K | — | $57K | 4.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $6K | $860 | $7K | 11.45% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $358 | $358 | 0.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $2K | $570 | $2K | 13.13% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $237 | $237 | 1.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $2K | $747 | $2K | 14.28% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $311 | $311 | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $1K | $380 | $2K | 12.90% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $158 | $158 | 1.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $981 | $280 | $1K | 12.86% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $117 | $117 | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $720 | $387 | $1K | 23.06% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $161 | $161 | 3.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $544 | $142 | $686 | 18.93% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $59 | $59 | 1.63% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN SOUTH CAROLINA | 85 | $1.2M |
| Dental | UNITED OF OMAHA | 98 | $59K |
| Vision | UNITED OF OMAHA | 97 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 112 | $31K |
| Long-term disability | UNITED OF OMAHA | 49 | $18K |
| Other(4 contracts) | UNITED OF OMAHA | 112 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.