| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $7K | $4K | $11K | 16.42% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $922 | $922 | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $7K | $4K | $11K | 17.57% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $840 | $840 | 1.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $3K | $3K | $6K | 11.30% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $689 | $689 | 1.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NC) INC. | — | EYEMED VISION CARE | $3K | — | $3K | 10.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $2K | $1K | $3K | 16.43% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $255 | $255 | 1.34% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 380 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 271 | $82K |
| Short-term disability | UNITED OF OMAHA | 271 | $52K |
| Long-term disability | UNITED OF OMAHA | 271 | $69K |
| Other(2 contracts) | UNITED OF OMAHA | 271 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.