| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $104K | $2K | $106K | 5.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES II INC | 500 WEST MADISON COURT 32ND FLOOR CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $570 | $14K | 10.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IA 606614563 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13 | — | $13 | 2.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $16 | — | $16 | 7.66% |
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 | 224 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 347 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $134K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 330 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $21K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 347 | $2.1M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.