| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD | $13K | $0 | $13K | 18.00% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $775 | $775 | 1.07% |
| ENROLLEASE Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD INSURANCE COMPANY | $9K | — | $9K | 17.00% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURACE SERVICES, INC | 1250 CAPITAL OF TX HWY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD INSURANCE COMPANY | — | $584 | $584 | 1.10% |
| ENROLLEASE Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $353 | — | $353 | 14.98% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES, INC, | 1250 CAPITAL OF TX HWY S BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURNACE COMPANY | — | $28 | $28 | 1.19% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD | 185 | $75K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 187 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.