| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTALIS BENEFITS3 | 7272 EAST INDIAN SCHOOL ROAD SUITE 415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $201K | $201K | 3.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 200 PARK AVENUE, ROOM 3202 NEW YORK, NY 10166 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $166K | $166K | 3.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | METLIFE LEGAL PLANS | $8K | $2K | $9K | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 9101 PLAINVIEW, NY 11803 | METLIFE LEGAL PLANS | $8K | $0 | $8K | 4.26% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.59% |
| AGS BENEFITS GROUP LLC3 Filed as: AGS BENEFITS GROUP, LLC | 420 LEXINGTON AVENUE, SUITE 531 NEW YORK, NY 10170 | METLIFE LEGAL PLANS | $0 | $880 | $880 | 0.47% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 3445 PEACHTREE ROAD, SUITE 200 ATLANTA, GA 30326 | TRUSTMARK INSURANCE COMPANY | $20K | — | $20K | 60.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 200 PARK AVENUE, ROOM 3202 NEW YORK, NY 10166 | TRUSTMARK INSURANCE COMPANY | $13K | $0 | $13K | 40.00% |
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 | 8,926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 384 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 506 | $4.1M |
| Dental | DELTA DENTAL OF INDIANA | 13,942 | $4.7M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 6,223 | $1.1M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,926 | $5.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,926 | $5.1M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 506 | $4.1M |
| Other(6 contracts, 6 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,926 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,942 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.