| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON STREET SUITE 2760 CHICAGO, IL 60661 | ANTHEM INSURANCE COMPANIES INC | $12K | — | $12K | 9.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $708 | $5K | 17.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $676 | $4K | 17.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 W MADISON STREET SUITE 2760 CHICAGO, IL 60661 | ANTHEM INSURANCE COMPANIES INC | $2K | — | $2K | 9.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $88 | $3K | 15.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $498 | $98 | $596 | 17.95% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM INSURANCE COMPANIES INC | 249 | $123K |
| Vision | ANTHEM INSURANCE COMPANIES INC | 231 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 253 | $29K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 77 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 253 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.