| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE Filed as: FIRST PERSON, INC | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | DELTA DENTAL | $32K | — | $32K | 13.75% |
| ENROLLEASE Filed as: FIRST PERSON, INC | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD | $23K | — | $23K | 20.35% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE STANDARD | — | $1K | $1K | 1.08% |
| ENROLLEASE Filed as: FIRST PERSON, INC | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD | $13K | — | $13K | 20.34% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $683 | $683 | 1.09% |
| ENROLLEASE Filed as: FIRST PERSON, INC | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RSP VISION CARE | $5K | — | $5K | 10.01% |
| WATCH TOWER TECHNOLOGIES INC Filed as: WATCH TOWER TECHNOLOGIES, INC | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | RSP VISION CARE | — | $679 | $679 | 1.50% |
| ENROLLEASE Filed as: FIRST PERSON, INC | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD | $560 | — | $560 | 16.51% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $34 | $34 | 1.00% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 569 | $235K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 428 | $118K |
| Long-term disability | RELIANCE STANDARD | 232 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.