| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 9000 KEYSTONE CROSSING STE 910 INDIANAPOLIS, IN 46240 | HUMANA | $22K | — | $22K | 12.49% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 9000 KEYSTONE CROSSING STE 910 INDIANAPOLIS, IN 46240 | GUARDIAN | $4K | $2K | $6K | 18.66% |
| ENROLLEASE3 Filed as: FIRST PERSON ADVISORS | 9000 KEYSTONE CROSSING SUIT 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD | $5K | — | $5K | 17.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $325 | $325 | 1.17% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 221 | $179K |
| Vision | GUARDIAN | 208 | $32K |
| Long-term disability | RELIANCE STANDARD | 277 | $28K |
| Other | COMMUNITY HEALTH NETWORK | 291 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.