| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | AMERITAS LIFE INSURANCE CORP. | $6K | $0 | $6K | 6.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 3.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $7K | 12.61% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.19% |
| ALTERITY BROKER SOLUTIONS3 | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $85 | $1K | $2K | 2.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $983 | $0 | $983 | 1.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $676 | $0 | $676 | 4.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $553 | $0 | $553 | 3.55% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 336 | $86K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 191 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $55K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.