| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $0 | $0 | $0 | 0.00% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 606614563 | RELIANCE STANDARD | — | $30K | $30K | 4.27% |
| NFP INSURANCE SERVICES INC4 | 1250 CAPITAL OF TX HWY S BLDG, II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $8K | $8K | 1.13% |
| STEALTH PARTNER GROUP LLC4 Filed as: STEALTH BENEFIT SOLUTIONS LLC | 18940 NORTH PIMA RD. STE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $0 | $29K | $29K | 5.04% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 606614563 | RELIANCE STANDARD | $60K | $14K | $74K | 24.59% |
| NFP INSURANCE SERVICES INC4 | 1250 CAPITAL OF TX HWY S BLDG. II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $3K | $3K | 1.08% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | VISION SERVICE PLAN | $10K | — | $10K | 5.15% |
| 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 | $14K | $72K | — |
| NFP INSURANCE SERVICES INC4 | 1250 CAPITAL OF TX HWY S BLDG. II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD | — | $8 | $8 | — |
| NFP INSURANCE SERVICES INC4 Filed as: NFP-NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL RD SUITE 415 SCOTTSDALE, AZ 85251 | RELIANCE STANDARD | -$7 | — | -$7 | — |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET, SUITE 2760 CHICAGO, IL 606614563 | RELIANCE STANDARD | -$11 | — | -$11 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $1.0M |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $62K |
| CHARLES NECHTUM EIN 13-3242036 NONE | Contract Administrator Service code 13 | — | $46K |
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $41K |
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 | 1,494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | 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 | 3,372 | $0 |
| Dental | DELTA DENTAL OF ILLINOIS | 1,521 | $973K |
| Vision | VISION SERVICE PLAN | 1,284 | $191K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD | 1,551 | $709K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 7 | $2K |
| Long-term disability | RELIANCE STANDARD | 1,520 | $302K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 3,372 | $0 |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,483 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,372 | — |
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.