| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $58K | $16K | $74K | 0.46% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP - NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL RD SUITE 415 SCOTTSDALE, AZ 85251 | RELIANCE STANDARD | $0 | $42K | $42K | 6.01% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP - NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL RD SUITE 415 SCOTTSDALE, AZ 85251 | RELIANCE STANDARD | $60K | $18K | $78K | 26.05% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | VISION SERVICE PLAN | $9K | — | $9K | 5.00% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP-NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL RD SUITE 415 SCOTTSDALE, AZ 85251 | RELIANCE STANDARD | $654 | $49 | $703 | 11.82% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP-NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL RD SUITE 415 SCOTTSDALE, AZ 85251 | RELIANCE STANDARD | $29 | $0 | $29 | 10.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $1.0M |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $60K |
| CHARLES NECHTUM EIN 13-3242036 NONE | Contract Administrator Service code 13 | — | $50K |
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $42K |
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 | 1,486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 3,432 | $16.1M |
| Vision | VISION SERVICE PLAN | 1,230 | $183K |
| Life insurance | RELIANCE STANDARD | 1,766 | $700K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 9 | $6K |
| Long-term disability | RELIANCE STANDARD | 1,660 | $301K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 3,432 | $16.1M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 3,432 | $16.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,432 | — |
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.