| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT CINCINNATI, OH 45230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 7.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT CINCINNATI, OH 45230 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 3.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TX HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 6.40% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 3.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.49% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $898 | $898 | 4.03% |
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 | 407 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 257 | $157K |
| Vision | STANDARD INSURANCE COMPANY | 199 | $22K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $307K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $307K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $307K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.