| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $90 | $2K | 17.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $23 | $1K | 20.43% |
| LANCE SHNIDER3 Filed as: LANCE V SHNIDER | 2500 CORPORATE EXCHANGE DRIVE SUITE 132 COLUMBUS, OH 43231 | SECURITY LIFE INSURANCE COMPANY | $205 | — | $205 | 19.02% |
| LANCE SHNIDER3 Filed as: LANCE V SHNIDER | 2500 CORPORATE EXCHANGE DRIVE SUITE 132 COLUMBUS, OH 43231 | SECURITY LIFE INSURANCE COMPANY | $157 | — | $157 | 18.96% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $120K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7 | $3K |
| Vision | SECURITY LIFE INSURANCE COMPANY | 7 | $828 |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $11K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.