| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | $0 | $46K | 2.98% |
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $891 | $891 | 2.63% |
| WATCHTOWERTECHNOLOGIES INC.3 | 2734 N. MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $508 | $0 | $508 | 1.50% |
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $5K | 20.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $758 | $758 | 2.87% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 2734 N. MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $395 | $9 | $404 | 1.53% |
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $656 | $656 | 2.69% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 2734 N. MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $366 | $0 | $366 | 1.50% |
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING SUITE 910 INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $296 | $63 | $359 | 18.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX S BLDG 2 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $48 | $48 | 2.43% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 2734 N. MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30 | $0 | $30 | 1.52% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.6M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 73 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $24K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 88 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
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.