| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | — | $66K | — | $66K | 28.78% |
| IMG5 | — | — | — | $461 | $461 | 0.20% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $96K | $25K | $120K | — |
| 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 | — |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | VISION SERVICE PLAN | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $1.6M |
| PRUDENTIAL EIN 22-1211670 THIRD PARTY ADMIN | Plan Administrator Service code 14 | — | $158K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $75K |
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $55K |
| CHARLES NECHTUM EIN 13-3242036 NONE | Contract Administrator Service code 13 | — | $48K |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMIN | Plan Administrator Service code 14 | — | $23K |
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 | 4,952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 0 | $0 |
| Dental | DELTA DENTAL OF ILLINOIS | 0 | $0 |
| Vision | VISION SERVICE PLAN | 0 | $0 |
| Life insurance(6 contracts, 3 carriers) | PRUDENTIAL | 2,456 | $978K |
| Short-term disability(2 contracts) | PRUDENTIAL | 19 | $6K |
| Long-term disability(2 contracts) | PRUDENTIAL | 2,467 | $471K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 0 | $0 |
| Other | PRUDENTIAL | 19 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,467 | — |
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.