| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | $0 | $34K | 6.91% |
| NFP INSURANCE SERVICES INC0 Filed as: NFP CORPORATE SERVICES (SE), INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.40% |
| CORPORATE BENEFIT ADVISORS3 | 1901 ROXBOROUGH ROAD CHARLOTTE, NC 28211 | DELTA DENTAL OF MISSOURI | $2K | $0 | $2K | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY INSURANCE | PO BOX 85638 SAN DIEGO, CA 92186 | DELTA DENTAL OF MISSOURI | $1K | $0 | $1K | 0.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 500 WEST MADISON STREET SUITE 2700 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 10.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 2.24% |
| SCHWARTZ BENEFIT SERVICES INC3 Filed as: SCHWARTZ BENEFITS SERVICES, INC. | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | VISION SERVICE PLAN | $794 | $0 | $794 | 3.60% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $490K |
| Dental | DELTA DENTAL OF MISSOURI | 454 | $144K |
| Vision | VISION SERVICE PLAN | 181 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $139K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $139K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $139K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $490K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.
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.