| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STE 2760 CHICAGO, IL 60661 | DELTA DENTAL OF MISSOURI | $65K | — | $65K | 4.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INS COMPANY EIN 86-0257201 CONTRACT ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Float revenue Service code 12 | — | $810K |
| NFP CORPORATE SERVICES (IL) INC EIN 13-4090309 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | 500 WEST MADISON ST SUITE 2760 CHICAGO, IL 60661 | $50K |
| WAGEWORKS INC EIN 94-3351864 ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $13K |
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 | 2,001 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 4,123 | $1.4M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 4,588 | $690K |
| Other | DELTA DENTAL OF MISSOURI | 4,123 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,588 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.