| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $42K | $42K | 1.13% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF MICHIGAN | $10K | $160 | $10K | 4.73% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $12K | $970 | $13K | 15.13% |
| TOTALIS BENEFITS3 | 8777 N. GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | STANDARD INSURANCE COMPANY | $2K | $901 | $3K | 3.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2 SUITE 125 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 1.24% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $8K | $768 | $9K | 12.60% |
| TOTALIS BENEFITS3 | 8777 N. GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | STANDARD INSURANCE COMPANY | $2K | $740 | $3K | 3.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2 SUITE 125 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $864 | $864 | 1.21% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.87% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 153 | $3.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 408 | $219K |
| Vision | VISION SERVICE PLAN | 159 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 187 | $71K |
| Long-term disability | STANDARD INSURANCE COMPANY | 187 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.