| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP COROPRATE SERVICES INC. | 1250 CAPITAL OF TEXAS HWY #2-600 AUSTIN, TX 78746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $93K | $0 | $93K | 5.87% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $364 | $364 | 0.02% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $58K | $58K | 6.00% |
| BENEPLACE, INC.3 Filed as: BENEPLACE LLC | — | LEGAL RESOURCES | $6K | $0 | $6K | 5.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 2600 KELLY RD WARRINGTON, PA 18976 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $373 | $26 | $399 | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $274 | $0 | $274 | 0.95% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | UNIT 208 658 VILLAGE PARK DR WILLINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $225 | $23 | $248 | 0.86% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $225 | $19 | $244 | 0.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC WASHINTON DC | PO BOX 415840 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $1 | $79 | 0.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP ISURANCE SERVICES INC | 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $18 | $18 | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP ISURANCE SERVICES INC | STE 300 2600 KELLY RD WARRINGTON, PA 18976 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $945 | $81 | $1K | 4.54% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $577 | $68 | $645 | 2.85% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $577 | $59 | $636 | 2.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES INC | 1 JERICHO PLZ STE 200 JERICHO, NY 11752 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $587 | $0 | $587 | 2.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC WASHINGTON DC | PO BOX 415840 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $209 | $2 | $211 | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR SUITE 200 ROLLING MEADOWS, IL 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $9 | $9 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 2600 KELLY RD WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $932 | $0 | $932 | 15.00% |
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 | 1,734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 75 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 993 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,821 | $1.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,821 | $1.6M |
| Prescription drug(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 993 | $2.2M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 4,147 | $963K |
| Other(6 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,969 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,147 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.