| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC. | 505 WATERFORD PARK HIGHWAY 169 SUITE 1100 PLYMOUTH, MN 55441 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $0 | $15K | 10.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $473 | $473 | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 505 WATERFORD PARK HIGHWAY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $11K | 17.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 505 WATERFORD PARK HIGHWAY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $8K | 17.54% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP BENEFITS INSURANCE WEALTH MGMT | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | EYEMED | $2K | $0 | $2K | 9.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 505 WATERFORD PARK HIGHWAY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $402 | $3K | 20.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 505 WATERFORD PARK HIGHWAY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $301 | $2K | 17.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 505 WATERFORD PARK HIGHWAY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $820 | $86 | $906 | 22.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 505 WATERFORD PARK HIGHWAY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $246 | $88 | $334 | 20.40% |
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 | 426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $137K |
| Vision | EYEMED | 234 | $17K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 430 | $29K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 62 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 419 | $62K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 430 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.