| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 Filed as: SEE ATTACHMENT 3 | — | AFLAC | $1.2M | $112K | $1.3M | 21.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | SYMETRA LIFE INSURANCE COMPANY | $92K | $55K | $147K | 5.44% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT 4 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $493K | — | $493K | 39.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | SIRIUS AMERICA INSURANCE COMPANY | $16K | — | $16K | 2.57% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT 1 | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $15 | $1K | 10.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $487 | — | $487 | 5.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT 2 | — | AFLAC | $911 | — | $911 | 10.03% |
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 | 36,285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 330 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | AFLAC | 34,479 | $8.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 3 | $31K |
| Vision | AETNA LIFE INSURANCE COMPANY | 3 | $31K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 30,099 | $2.7M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 25,998 | $1.3M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 30,099 | $2.7M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 792 | $6.5M |
| Other(4 contracts, 4 carriers) | AFLAC | 34,479 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,479 | — |
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.