| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC. | 500 W MADISON ST STE 2760 CHICAGO, IL 606614563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $6K | $27K | 25.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL SERVICES INC | 7272 E INDIAN SCHOOL ROAD STE 220 SCOTTSDALE, AZ 852513970 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 14.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 W MADISON ST STE 2760 CHICAGO, IL 606614563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $5K | $13K | 12.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC. | 500 W MADISON ST STE 2760 CHICAGO, IL 606614563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $12K | 25.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $23K | — | $23K | 53.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC. | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | VISION SERVICE PLAN | $563 | — | $563 | 8.12% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 326 | $43K |
| Vision | VISION SERVICE PLAN | 56 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 407 | $153K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $100K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 407 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.