| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH | 7438 JAGER CT CINCINNATI, OH 45230 | CIGNA HEALTH&LIFE INSURANCE COMPANY | $42K | $6K | $48K | 14.21% |
| SWEENY, DENNIS J3 | 3534 PINEHURST AVE CINCINNATI, OH 45208 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 2.22% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKERAGE INSSVCSAGENCY | 2101 FLORENCE AVE CINCINNATI, OH 45206 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7438 JAGER CT CINCINNATI, OH 45230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH | 7438 JAGER CT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.78% |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 228 | $129K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 444 | $311K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 444 | $311K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH&LIFE INSURANCE COMPANY | 0 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.