| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | HUMANA HEALTH PLAN, INC | $105K | $4K | $109K | 8.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $6K | $19K | 4.41% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $69K | $5K | $73K | 21.36% |
| JUSTIN S PETER3 | 4665 CORNELL RD, STE 331 CINCINNATI, OH 45241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 2.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURNACE SERVICES INC | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | $5K | $51K | 16.46% |
| JUSTIN S PETER3 | 4665 CORNELL RD, STE 331 CINCINNATI, OH 45241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 2.58% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $4K | $19K | 6.33% |
| JUSTIN S PETER3 | 4665 CORNELL RD, STE 331 CINCINNATI, OH 45241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 2.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC. | 7438 JAGER CT CINCINNATI, OH 45230 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 9.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $456 | $8K | 15.89% |
| JUSTIN S PETER3 Filed as: JUSTIN S. PETER | 4665 CORNELL RD, STE 331 CINCINNATI, OH 45241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.05% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $247 | $247 | 0.48% |
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 | 1,489 | 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) | 1,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 1,024 | $1.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 985 | $430K |
| Vision | HUMANA INSURANCE COMPANY | 781 | $103K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,489 | $361K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 512 | $343K |
| Prescription drug | HUMANA HEALTH PLAN, INC | 1,024 | $1.3M |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC | 1,024 | $1.3M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,489 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,489 | — |
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.