| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN INC | $56K | $0 | $56K | 3.78% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | KAISER FOUNDATION HEALTH PLAN INC | $23K | $0 | $23K | 1.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $99K | $0 | $99K | 8.62% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE SUITE 3 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 5 BRYANT PARK 4TH FLOOR NEW YORK, NY 10018 | HEALTH PLAN OF NEVADA | $8K | $0 | $8K | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 2.21% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 1.72% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 1007 MUMMA ROAD SUITE 200 LEMOYNE, PA 17043 | VISION SERVICE PLAN | $295 | $0 | $295 | 0.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66K | $0 | $66K | 47.42% |
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 | 6,560 | 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) | 6,560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 280 | $2.9M |
| Vision | VISION SERVICE PLAN | 2,680 | $237K |
| Life insurance | STANDARD INSURANCE COMPANY | 6,560 | $1.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 6,560 | $1.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 6,560 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 239 | $1.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 6,560 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,560 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.