| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $138K | $173K | 4.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES, LLC | 4811 GAILLARDIA PARKWAY, SUITE 300 OKLAHOMA CITY, OK 73142 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $57K | $0 | $57K | 20.83% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $61 | $61 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES, LLC | 4811 GAILLARDIA PARKWAY OKLAHOMA CITY, OK 73142 | RELIASTAR LIFE INSURANCE COMPANY | $18K | $0 | $18K | 16.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES, LLC | 427 SOUTH BOSTON AVENUE, SUITE 502 TULSA, OK 74103 | AMERITAS LIFE INSURANCE CORP. | $5K | $0 | $5K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 200 PARK AVENUE RM 3202 NEW YORK, NY 10166 | AMERITAS LIFE INSURANCE CORP. | $0 | $804 | $804 | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HIGHWAY SOUTH BUILDING 2, SUITE 600 AUSTIN, TX 78746 | AMERITAS LIFE INSURANCE CORP. | $0 | $573 | $573 | 1.27% |
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 | 302 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,162 | $4.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,162 | $4.1M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 675 | $45K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 336 | $275K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 336 | $275K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 336 | $275K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,162 | $4.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 377 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,162 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.