| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | EXCELLUS BLUECROSS BLUESHIELD | $620 | — | $620 | 3.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SRVICES (IL) INC | 5 REVERE DRIVE SUITE 130 NORTHBROOK, IL 60062 | EXCELLUS BLUECROSS BLUESHIELD | $235 | — | $235 | 1.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - NATIONAL ACCOUNT SERVICES INC | 7272 E INDIAN SCHOOL ROAD SUITE 415 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $329 | $456 | $785 | 7.82% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 1100 REYNOLDS BOULEVARD WINSTON SALEM, NC 27105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $498 | — | $498 | 4.96% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 266 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 2 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $10K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 2 | $20K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.