| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.48% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 Filed as: MID-AMERICA ADMINISTRATIVE SERVICES | 10836 RUTHERFORD ROAD FORT MYERS, FL 33913 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST SUITE 2760 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 5 REVERE DR. SUITE 500 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE ASSURANCE COMPANY | $4K | $820 | $5K | 17.88% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE ASSURANCE COMPANY | $0 | $426 | $426 | 1.50% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE ASSURANCE COMPANY | $0 | $342 | $342 | 1.20% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE ROCKFORD, IL 61108 | EYEMED VISION CARE | $372 | $0 | $372 | 4.55% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 Filed as: MID-AMERICA ADMINISTRATIVE SERVICES | 545 W WISE ROAD SUITE 207 SCHUAMBURG, IL 60193 | EYEMED VISION CARE | $372 | $0 | $372 | 4.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL | 5 REVERE DR. SUITE 550 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $762 | $113 | $875 | 17.23% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $76 | $76 | 1.50% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WESTLAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.93% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 72 | $58K |
| Vision | EYEMED VISION CARE | 137 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE ASSURANCE COMPANY | 129 | $33K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 71 | $52K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE ASSURANCE COMPANY | 129 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.