| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | SUN LIFE ASSURANCE COMPANY OF CANADA | $121K | — | $121K | 4.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE OH INC | 7438 JAGER CT CINCINNATI, OH 45230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $93K | — | $93K | 3.63% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HCC LIFE INSURANCE COMPANY | — | $96K | $96K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | KAISER FOUNDATIONS HEALTH PLAN INC | $36K | $1 | $36K | 2.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD SUITE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATIONS HEALTH PLAN INC | $25K | — | $25K | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $1 | $24K | 2.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD SUITE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 1.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $226K | — | $226K | 20.14% |
| JUSTIN S PETER3 | 4665 CORNELL ROAD SUITE 331 CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68K | — | $68K | 6.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65K | — | $65K | 5.77% |
| BENEFIT RESOURCES, INC.3 Filed as: BENEFIT RESOURCES | 7438 JAGER COURT CINCINNATI, OH 45230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $32K | — | $32K | 10.02% |
| INSURANCE ASSOCIATES PLUS, INC.3 Filed as: INSURANCE ASSOCIATES PLUS INC | 100 CROWNE POINT PLACE CINCINNATI, OH 45241 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $16K | — | $16K | 4.95% |
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 | 4,427 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HCC LIFE INSURANCE COMPANY | 7,687 | $6.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,777 | $321K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,427 | $2.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,427 | $2.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,427 | $2.6M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 7,687 | $1.9M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,427 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,687 | — |
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.