| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES OH, INC. | 6450 ROCKSIDE WOODS BLVD S SUITE 250 CLEVELAND, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 7.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC | 7438 JAGER CT CINCINNATI, OH 45230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 11.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.94% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $174 | $174 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC | 7438 JAGER CT CINCINNATI, OH 45230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 11.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 4.75% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $93 | $93 | 0.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC | 6450 ROCKSIDE WOODS BLVD S STE 250 CINICINNATI, OH 44131 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.46% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $246 | — | $246 | 1.14% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $192 | $192 | 0.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD S STE 250 CINCINNATI, OH 44131 | STANDARD INSURANCE COMPANY | $608 | — | $608 | 5.77% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $138 | $138 | 1.31% |
| NFP INSURANCE SERVICES INC | BLDG2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $114 | — | $114 | 1.08% |
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 | 52 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 52 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | STANDARD INSURANCE COMPANY | 26 | $32K |
| Vision(2 contracts) | STANDARD INSURANCE COMPANY | 26 | $32K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 50 | $75K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 50 | $75K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 52 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.