| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $68K | $68K | 1.67% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, TX 46240 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | $2K | $8K | 12.43% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CENTER DR STE 260 SCOTTSDALE, AZ 85258 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $937 | $937 | 1.39% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.76% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, AZ 46240 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | $1K | $6K | 12.41% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CENTER DR STE 260 SCOTTSDALE, AZ 85258 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $741 | $741 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $679 | $679 | 1.38% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $528 | $3K | 12.42% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CTR DR STE 260 SCOTTSDALE, AZ 85258 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $328 | $328 | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $302 | $302 | 1.38% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 1250 S CAPITAL OF TX HWY INDIANAPOLIS, IN 46240 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $499 | $3K | 17.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $285 | $285 | 1.46% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 420 | $53K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 420 | $53K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 310 | $22K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 310 | $49K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 310 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.