| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON ST CHICAGO, IL 60661 | AETNA LIFE INSURANCE CO. | $78K | $70K | $148K | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5TH REVERE DR STE 550 STE 2760 NORTHBROOK, IL 60062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $119K | $48K | $167K | 11.16% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $20K | $20K | 1.33% |
| FMLASOURCE INC3 | 455 N CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $17K | $17K | 1.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST SUITE 3200 CHICAGO, IL 60661 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.12% |
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 | 1,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 2,493 | $17.5M |
| Dental | AETNA LIFE INSURANCE CO. | 2,493 | $17.5M |
| Vision | VISION SERVICE PLAN | 983 | $168K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,296 | $1.5M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,296 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,296 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,493 | — |
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."
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.