| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4700 ROCKSIDE ROAD STE 540 CLEVELAND, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $293 | $8K | 22.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4700 ROCKSIDE RD STE 540 CLEVELAND, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $249 | $7K | 22.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4700 ROCKSIDE RD STE 540 CLEVELAND, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | -$2 | $2K | 6.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4700 ROCKSIDE RD STE 540 CLEVELAND, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $90 | $2K | 9.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2. STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $487 | $487 | 2.80% |
| PLANCORP INC3 | 9050 SWEET VALLEY DR VALLEY VIEW, OH 44125 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $289 | — | $289 | 1.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2. STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $419 | $419 | 5.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 4700 ROCKSIDE ROAD STE 540 CLEVELAND, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $362 | — | $362 | 5.00% |
| THOMAS S FARRO3 Filed as: THOMAS R DETTLING | 3291 STANLEY ROAD AKRON, OH 44333 | HARTFORD LIFE & ACCIDENT COMPANY | $25 | — | $25 | 15.24% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $91K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $53K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 134 | $360K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.