| 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 | $11K | — | $11K | 3.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES(OH)INC | 7438 JAGER COURT CINCINNATI, OH 45230 | HUMANA INSURANCE COMPANY | $2K | $159 | $2K | 10.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.00% |
| LIFETIME FINANCIAL GROWTH CO O3 | 419 PLUM STREET CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42 | — | $42 | 0.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $2K | $245 | $2K | 17.04% |
| NFP INSURANCE SERVICES INC3 | BUILDING 2 SUITE 125 1250 CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $315 | $315 | 2.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $86 | $2K | 15.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $51 | $1K | 18.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC | 7438 JAGER COURT CINCINNATI, OH 45230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $591 | — | $591 | 13.00% |
| LIFETIME FINANCIAL GROWTH CO OF OHI3 Filed as: LIFETIME FINANCIAL GROWTH OF OHIO | 419 PLUM STREET SUITE 100 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES OH IN | 7438 JAGER COURT CINCINNATI, OH 45230 | KANAWHA INSURANCE COMPANY | $88 | — | $88 | 3.10% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFIT AGENCY LLC | 5900 ROCHE DRIVE SUITE 600 COLUMBUS, OH 43229 | AMERITAS LIFE INSURANCE CORP | $242 | — | $242 | 12.35% |
| DIRECT BENEFITS INC3 | 55 5TH STREET EAST SUITE 500 SAINT PAUL, MN 55101 | AMERITAS LIFE INSURANCE CORP | $82 | — | $82 | 4.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER CT CINCINNATI, OH 45230 | AMERITAS LIFE INSURANCE CORP | $48 | — | $48 | 2.45% |
| NEP CORPORATE SERVICES OH INC3 | 7438 JAGER COURT CINCINNATI, OH 45230 | COMPBENEFITS INSURANCE COMPANY | $104 | $15 | $119 | 11.48% |
| DIRECT BENEFITS INC3 | 55 5TH STREET EAST SUITE 500 SAINT PAUL, MN 55101 | AMERITAS LIFE INSURANCE CORP. | $17 | — | $17 | 12.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | AMERITAS LIFE INSURANCE CORP. | $10 | — | $10 | 7.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH | — | COMBINED INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 3.45% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $351K |
| Dental(8 contracts, 7 carriers) | HUMANA INSURANCE COMPANY | 53 | $27K |
| Vision(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 49 | $22K |
| Life insurance(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $371K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 45 | $24K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 55 | $15K |
| Other(9 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.