| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA | $4K | $890 | $5K | 9.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $1K | — | $1K | 2.52% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | — | UNITED OF OMAHA | — | $209 | $209 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA | $1K | $350 | $2K | 14.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $444 | — | $444 | 3.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | — | UNITED OF OMAHA | — | $54 | $54 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA | $973 | $220 | $1K | 13.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $326 | — | $326 | 3.76% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | — | UNITED OF OMAHA | — | $37 | $37 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA | $878 | $214 | $1K | 13.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $358 | — | $358 | 4.35% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | — | UNITED OF OMAHA | — | $35 | $35 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA | $1K | $203 | $1K | 17.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $353 | — | $353 | 4.80% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | — | UNITED OF OMAHA | — | $33 | $33 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA | $783 | $169 | $952 | 13.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $257 | — | $257 | 3.71% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | — | UNITED OF OMAHA | — | $28 | $28 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED OF OMAHA | $549 | $119 | $668 | 13.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $215 | — | $215 | 4.22% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | — | UNITED OF OMAHA | — | $20 | $20 | 0.39% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 118 | $147K |
| Dental | UNITED OF OMAHA | 113 | $51K |
| Vision | UNITED OF OMAHA | 102 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 237 | $20K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 118 | $127K |
| Other(2 contracts) | UNITED OF OMAHA | 237 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.