| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD, SUITE 100 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.33% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | EMPIRE STATE BUILDING 350 5TH AVE., SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $409 | — | $409 | 1.55% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD, SUITE 100 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.30% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC. | EMPIRE STATE BUILDING 350 5TH AVE., SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $607 | — | $607 | 2.90% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD, SUITE 100 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.61% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | EMPIRE STATE BUILDING 350 5TH AVE., SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $860 | — | $860 | 4.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $282 | — | $282 | 1.60% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 74 | $38K |
| Vision | STANDARD INSURANCE COMPANY | 63 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 120 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 63 | $26K |
| Long-term disability | STANDARD INSURANCE COMPANY | 66 | $18K |
| Other | STANDARD INSURANCE COMPANY | 120 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.