| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | HCSC | $16K | — | $16K | 2.48% |
| BENEFITS PLANNING CORP.3 Filed as: BENEFITS PLANNING SERVICES INC | 929 SOUTH ALPINE RD SUITE 402 ROCKFORD, IL 611083939 | HCSC | $4K | $2K | $7K | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | HCSC | $6K | — | $6K | 0.90% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 929 S ALPINE ROAD SUITE 402 ROCKFORD, IL 61108 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.52% |
| BENEFIT PLANNING SERVICES INC3 | 929 S ALPINE RD STE 402 ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 | 929 S ALPINE RD STE 402 ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES, INC. | — | EYE MED | $430 | — | $430 | 9.65% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCSC | 159 | $656K |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 157 | $42K |
| Vision | EYE MED | 70 | $4K |
| Life insurance | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 157 | $42K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 139 | $19K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 140 | $8K |
| Other | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 157 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.