| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 500 WEST MADISON STREET 27TH FLOOR-SUITE 2760 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $20K | $20K | 3.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 1.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 500 WEST MADISON STREET 27TH FLOOR-SUITE 2760 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $62K | $9K | $72K | 23.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | — | VISION SERVICE PLAN | $9K | — | $9K | 4.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES II INC | 500 WEST MADISON STREET 27TH FLOOR- SUITE 2760 CHICAGO, IL 60661 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $54 | — | $54 | 10.95% |
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 | 4,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 1,648 | $66K |
| Vision | VISION SERVICE PLAN | 1,418 | $219K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,652 | $662K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 8 | $493 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,664 | $312K |
| Prescription drug | CVS PHARMACY, INC | 4,884 | $4.6M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 4,884 | $1.3M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,884 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,884 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.