| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | — | METLIFE | $7K | $63 | $7K | 8.40% |
| NFP INSURANCE SERVICES INC3 | — | METLIFE | $683 | — | $683 | 0.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | — | LINCOLN NATIONAL | $11K | $2K | $13K | 28.62% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $416 | $416 | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | — | LINCOLN NATIONAL | $8K | $1K | $9K | 28.15% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $256 | $256 | 0.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | — | LINCOLN NATIONAL | $6K | $774 | $7K | 28.37% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $194 | $194 | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | — | LINCOLN NATIONAL | $1K | $218 | $1K | 18.18% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL | — | $54 | $54 | 0.79% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METLIFE | 305 | $79K |
| Vision | METLIFE | 305 | $79K |
| Life insurance(2 contracts) | LINCOLN NATIONAL | 280 | $30K |
| Short-term disability | LINCOLN NATIONAL | 55 | $46K |
| Long-term disability | LINCOLN NATIONAL | 60 | $32K |
| Other(2 contracts) | LINCOLN NATIONAL | 280 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.