| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | PO BOX 785700 PHILADEPHIA, PA 19178 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $429K | $7K | $436K | 22.35% |
| FOUNDATION RISK PARTNERS CORP3 | — | CIGNA HEALTH & LIFE INSURANCE COMPANY | $196 | — | $196 | 0.01% |
| M FINANCIAL HOLDINGS INC3 Filed as: FM FINANCIAL SERVICES INC | — | CIGNA HEALTH & LIFE INSURANCE COMPANY | $98 | — | $98 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $128K | — | $128K | 15.55% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 32541 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX), LLC | 1250 S CAPITAL OF TX HWY BLDG II STE 600 AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD, SUITE 300 SUITE 300 CHARLOTTE, NC 28211 | METLIFE LEGAL PLANS, INC | $836 | — | $836 | 10.07% |
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 | 794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 824 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 794 | $2.0M |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 794 | $2.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 778 | $823K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 778 | $823K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 778 | $823K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 778 | $832K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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.