| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFP EMPLOYEE BENEFITS3 Filed as: MFP EMPLOYEE BENEFITS & HR SVS. LLC | 1508 GARDEN VALLEY WILDWOOD, MO 63038 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 10.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT FOR DETAILS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $2K | $19K | 37.07% |
| MFP EMPLOYEE BENEFITS3 Filed as: MFP EMPLOYEE BENEFITS AND HR | 1508 GARDEN VALLEY DRIVE WILDWOOD, MO 63038 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $1K | — | $1K | 10.89% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 201 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 176 | $71K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 59 | $51K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 176 | $71K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 198 | $423K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 176 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.