| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | DELTA DENTAL OF COLORADO | $6K | — | $6K | 8.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $2K | — | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE | $2K | $31 | $2K | 12.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | EYEMED | $1K | — | $1K | 9.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $402 | — | $402 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP LLC EIN 77-0385729 CONTRACT ADM | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $59K |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 224 | $79K |
| Vision | EYEMED | 190 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 200 | $24K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 51 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $21K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE | 211 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.