| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $256K | — | $256K | 28.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | — | $58K | 6.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL INSURANCE COMPANY | $47K | — | $47K | 10.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 176 FEDERAL STREET MEZZANINE BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $571 | $6K | 4.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING 2, SUITE 600 AUSTIN, TX 78746 | MINNESOTA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.81% |
| CETERA ADVISOR NETWORKS LLC3 Filed as: CETERA ADVISOR NETWORKS, LLC | 200 NORTH SEPULVEDA BOULEVARD SUITE 1300 EL SEGUNDO, CA 90245 | MINNESOTA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | MINNESOTA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.17% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY | 32 BROADWAY, SUITE 1818 NEW YORK, NY 10004 | FEDERAL INSURANCE COMPANY | $4K | $425 | $4K | 16.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 370 | $899K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 225 | $457K |
| Vision | ANTHEM HEALTH PLANS, INC. | 690 | $24K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 490 | $105K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $130K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $130K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 370 | $899K |
| Other(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 490 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 690 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.