Filings through .
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.
Schedule A insurance contracts: who carries the risk, for which benefits, and how many people they cover.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: NFP Corporate Services Inc Health | Health | |
Broker: NFP Corporate Services Il Inc OtherLifeLTD | OtherLifeLTD | |
Broker: NFP Corporate Services Il Inc DentalVision | DentalVision |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 8 contracts with Pro. Free for 7 days, then $49 a month.
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 125 | $838K |
| Dental | AMERITAS LIFE INSURANCE CORP | 67 | $65K |
| Vision | AMERITAS LIFE INSURANCE CORP | 67 | $65K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $28K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | - |
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."
Brokers paid through Schedule A and service providers paid through Schedule C.
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
No Schedule C service providers reported on this filing.
How the health and benefits plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
2 contacts
Phone and email for the top hat administrator are on Pro.
1 filing