| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $220K | $7K | $227K | 2.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORTATE SERVICES (IL) INC | 500 W. MADISON STREET FLOOR 32 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.41% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 W. MADISON STREET FLOOR 32 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.45% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 WEST MADISON STREET, 32ND FLOOR SUITE 2760, NORTHBROOK, IL CHICAGO, IL 60661 | EYEMED VISION CARE | $8K | — | $8K | 13.29% |
| THREEFLOW3 | 306 W ERIE STREET SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE | $8K | — | $8K | 13.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 W. MADISON STREET FLOOR 32 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $850 | $850 | 1.41% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $708 | $708 | 1.17% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $363 | $363 | 1.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET FLOOR 32 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $240 | $240 | 1.18% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $200 | $200 | 0.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 WEST MADISON STREET, 32ND FLOOR SUITE 2760, NORTHBROOK, IL CHICAGO, IL 60661 | EYEMED VISION CARE | $63 | — | $63 | 13.64% |
| THREEFLOW3 | 306 W ERIE STREET SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE | $63 | — | $63 | 13.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 WEST MADISON STREET, 32ND FLOOR SUITE 2760, NORTHBROOK, IL CHICAGO, IL 60661 | EYEMED VISION CARE | $12 | — | $12 | 14.12% |
| THREEFLOW3 | 306 W ERIE STREET SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE | $12 | — | $12 | 14.12% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,392 | $9.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 754 | $436K |
| Vision(3 contracts) | EYEMED VISION CARE | 1,170 | $62K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 444 | $182K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 103 | $29K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 953 | $119K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 444 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,392 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.