| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK HWY 169 STE 1100 PLYMOUTH, MN 55441 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $131K | — | $131K | 2.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET FLOOR 32 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $0 | $27K | 11.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 505 WATERFORD PARK HWY 169 N PLYMOUTH, MN 55441 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.90% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE STE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $678 | $2K | $3K | 1.30% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.58% |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 768 | $4.8M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 717 | $243K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 717 | $243K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 717 | $243K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 717 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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."
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.