| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES, INC | DBA BENEFITMALL 5090 NORTH 40TH ST., SUITE 100 PHOENIX, AZ 85018 | HCC LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| MERITAIN HEALTH5 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| RBN & ASSOCIATES, INC.3 Filed as: RBN & ASSOCIATES NC | 303 E WACKER DR STE 1130 CHICAGO, IL 60601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.69% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS RD. SUITE H GLENVIEW, IL 60026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37 | — | $37 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | 7272 E INDIAN SCHOOL RD SCOTTSDALE, AZ 85251 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 26.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | 7272 E INDIAN SCHOOL RD SCOTTSDALE, AZ 85251 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 26.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | 7272 E. INDIAN SCHOOL RD SCOTTSDALE, AZ 85251 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 26.50% |
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 | 95 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 69 | $196K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $50K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $50K |
| Life insurance | THE LINCOLN LIFE INSURANCE COMPANY | 92 | $22K |
| Short-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 92 | $19K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 92 | $22K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 69 | $196K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 69 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.