| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH ROAD SUITE 300 CHAARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $74K | $74K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC. | 1201 W. CYPRESS CRK RD. STE 130 FT LAUDERDALE, FL 33309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP FDR FINANCIAL GROUP | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 9.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROX BOROUGH RD. STE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 24.06% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR. URBANDALE, IA 50323 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 4.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX) LLC | 1250 CAPITAL OF TX HWY BLDG 2 AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT | — | $205 | $205 | 0.66% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $97K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $97K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 74 | $31K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 74 | $31K |
| Other | HARTFORD LIFE AND ACCIDENT | 74 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.