| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 7272 E INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 852513970 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $142K | — | $142K | 3.31% |
| JR KATZ INC3 | 5 REVERE DR NORTHBROOK, IL 60062 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $4K | $4K | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL SERVICES INC | 7272 E INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 852513970 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL SERVICES INC | 7272 E INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 852513970 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL SERVICES INC | 7272 E INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 852513970 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.00% |
| THE MAXON COMPANY5 | 76 NORTH BROADWAY IRVINGTON, NY 10533 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $99 | $99 | 8.53% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 903 | $4.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 501 | $327K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 701 | $111K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 23 | $1K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 701 | $86K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 701 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.