| 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 | $57K | — | $57K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $348 | $2K | 11.66% |
| 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 | $774 | — | $774 | 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 | — | $206 | $206 | 1.33% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $200 | $1K | 12.91% |
| 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 | $524 | — | $524 | 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 | — | $121 | $121 | 1.16% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $190 | $1K | 12.91% |
| 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 | $498 | — | $498 | 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 | — | $116 | $116 | 1.16% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $182 | $1K | 17.30% |
| 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 | $397 | — | $397 | 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 | — | $110 | $110 | 1.39% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC (NFP) | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $232 | $35 | $267 | 17.24% |
| 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 | 4.97% |
| 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 | — | $21 | $21 | 1.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $45K |
| 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 | 82 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $25K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $8K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 50 | $379K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.