| 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 | $51K | — | $51K | 15.06% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $314 | $2K | 11.12% |
| 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 | $827 | — | $827 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $248 | $1K | 13.22% |
| 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 | $558 | — | $558 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $221 | $1K | 13.01% |
| 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 | $515 | — | $515 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $161 | $1K | 16.88% |
| 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 | $427 | — | $427 | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $248 | $31 | $279 | 16.87% |
| 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 | $83 | — | $83 | 5.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $58K |
| SHEPHERD INSURANCE LLC EIN 45-3540375 BROKER | Other commissions Service code 55 | 111 CONGRESSIONAL BLVD,STE 100 CARMEL, IN 46032 | $3K |
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 | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $27K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 71 | $11K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $9K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 50 | $340K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.