| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $30K | $30K | 4.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY ROAD WARRINGTON, PA 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 2.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $0 | $33K | 7.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVE 21ST FL NEW YORK, NJ 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD WARRINGTON, PA 18976 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 7.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.04% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | — | TRIPLE S SALUD INC | $3K | $0 | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $122 | $0 | $122 | 1.16% |
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 | 2,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD INC | 9 | $63K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,445 | $927K |
| Vision | EYEMED | 2,385 | $183K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,196 | $426K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,114 | $643K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 786 | $293K |
| Prescription drug | TRIPLE S SALUD INC | 9 | $52K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,196 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,385 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.