| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COMP | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70K | $18K | $88K | 25.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC. | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $1K | $21K | 6.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $566 | $566 | 0.17% |
| BENEFIT ASSOCIATES INC.3 | 1008 WEST 8TH AVENUE SUITE E KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $355 | — | $355 | 0.10% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $285 | — | $285 | 0.08% |
| MARK JACOB RIEDER3 Filed as: MARK RIDER | 1150 FIRST AVENUE SUITE 825 KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 0.08% |
| LORRAINE R MOORE3 | 1150 FIRST AVENUE SUITE 100 KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.01% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COMP | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $8K | $58K | 24.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC. | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $16K | 6.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $6K | $20K | 13.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC. | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 2.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | AMERITAS LIFE INSURANCE CORP. | $357 | — | $357 | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN), INC. | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 1.78% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MINNESOTA | $467 | — | $467 | 0.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $15K | 17.34% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30 | $12 | $42 | 12.43% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3 | — | $3 | 0.89% |
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 | 2,885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 344 | $106K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,909 | $117K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 3,098 | $497K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,606 | $343K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 468 | $84K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 3,098 | $735K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,098 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.