| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH), INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH), INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.91% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICES AGY | 2101 FLORENCE AVE CINCINNATI, OH 45206 | SUN LIFE ASSURANCE COMPANY OF CANADA | $398 | — | $398 | 1.15% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $127 | $127 | 0.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH), INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 11.39% |
| DENNIS J SWEENEY3 | 3534 PINEHURST AVE CINCINNATI, OH 45208 | SUN LIFE ASSURANCE COMPANY OF CANADA | $220 | — | $220 | 1.01% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $89 | $89 | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH), INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $627 | — | $627 | 4.88% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $54 | — | $54 | 0.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH), INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $201 | — | $201 | 4.57% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $16 | — | $16 | 0.36% |
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 | 61 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 61 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | STANDARD INSURANCE COMPANY | 18 | $17K |
| Vision(2 contracts) | STANDARD INSURANCE COMPANY | 18 | $17K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 42 | $57K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 42 | $57K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 61 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61 | — |
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.