| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD, STE 100 CARMEL, IN 46032 | TOKIO MARINE | $49K | — | $49K | 14.96% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $314 | $2K | 11.41% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W VEVA 16, STE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $777 | — | $777 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $98 | $98 | 0.63% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $248 | $1K | 13.61% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W VEVA 16, STE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $474 | — | $474 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $77 | $77 | 0.81% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $997 | $221 | $1K | 13.27% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W VIVA 16, STE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $459 | — | $459 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $69 | $69 | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $161 | $1K | 16.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W VEVA 16, STE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $421 | — | $421 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $50 | $50 | 0.59% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $231 | $31 | $262 | 16.98% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W VEVA 16, STE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $77 | — | $77 | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10 | $10 | 0.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 PBM | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $529K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $41K |
| SHEPHERD INSURANCE LLC EIN 45-3540375 BROKER | Other commissions Service code 55 | 111 CONGRESSIONAL BLVD,STE 100 CARMEL, IN 46032 | $2K |
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 | 80 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 89 | $25K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 47 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 25 | $8K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 49 | $327K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 89 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.