| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 2.73% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $910 | $910 | 1.16% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.42% |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 557 | $179K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 557 | $179K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $132K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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."
No prospect flags tripped on this filing.