| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 300 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60061 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $63K | $39K | $102K | 16.12% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $32K | $32K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 300 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60061 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | $25K | $70K | 15.52% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $23K | $23K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 300 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60061 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $7K | $23K | 14.62% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 W MADISON STREET SUITE 3200 CHICAGO, IL 606612588 | VISION SERVICE PLAN | $4K | — | $4K | 2.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL | 300 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 9.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL | 300 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 4.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL | 300 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.13% |
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 | 1,396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,207 | $25.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,207 | $25.6M |
| Vision | VISION SERVICE PLAN | 992 | $157K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,214 | $630K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,395 | $453K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,214 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,395 | — |
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.