| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $3K | $3K | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET STE 2760 CHICAGO, IL 60661 | DEARBORN LIFE INSURANCE COMPANY | $44K | $3K | $46K | 15.86% |
| DANIEL A GARFIN3 | NFP CA INSURANCE SERVICES INC 3470 MT DIABLO BLVD SUITE A100 LAFAYETTE, CA 94549 | CALIFORNIA CHOICE | $10K | — | $10K | 6.09% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 608 | $4.1M |
| Dental(2 contracts, 2 carriers) | CALIFORNIA CHOICE | 306 | $200K |
| Vision(2 contracts, 2 carriers) | CALIFORNIA CHOICE | 221 | $178K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 502 | $292K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 502 | $292K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 502 | $292K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 608 | $4.0M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 502 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.