| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET FL 32 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 3.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON ST FL 32 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $335 | $3K | 6.69% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $154 | $154 | 0.38% |
| RICHARD FAHN3 | 500 MADISON 32ND FLOOR CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 W MADISON ST SUITE 3200 CHICAGO, IL 60661 | VISION SERVICE PLAN | $986 | $0 | $986 | 6.53% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $899 | $9 | $908 | 8.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $71 | $1K | 15.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON SUITE 2760 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $769 | $58 | $827 | 10.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $710K |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $71K |
| Vision | VISION SERVICE PLAN | 102 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 85 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $8K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 129 | $679K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 85 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.