| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | COMMUNITY INSURANCE COMPANY | $49K | — | $49K | 1.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | COMMUNITY INSURANCE COMPANY | $48K | — | $48K | 1.35% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS INC. | 4200 ROCKSIDE RD. #300 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES NY LLC | 340 MADISON AVE. 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $4K | $11K | 7.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 6.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $911 | $911 | 0.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 34.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 450 E 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 1.18% |
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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 1,321 | $7.1M |
| Dental(2 contracts) | COMMUNITY INSURANCE COMPANY | 1,321 | $7.1M |
| Vision | COMMUNITY INSURANCE COMPANY | 1,321 | $3.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 549 | $142K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 549 | $142K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 1,321 | $3.6M |
| Other(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 1,321 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,321 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.