| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $12K | $71K | 12.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $22K | 13.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $20K | $4K | $24K | 17.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $11K | $3K | $14K | 16.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | PROVIDENT | $4K | $196 | $4K | 5.28% |
| HUGO CHRISTOPER GUCKERT3 | — | PROVIDENT | $656 | — | $656 | 0.82% |
| IBENEFIT COMMUNICATION LLC3 | — | PROVIDENT | $478 | — | $478 | 0.59% |
| NFP INSURANCE SERVICES INC3 | — | PROVIDENT | — | $131 | $131 | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM INSURANCE COMPANY | $11K | $3K | $13K | 17.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NC INC | — | EYEMED VISION CARE | $3K | — | $3K | 5.54% |
| PHILLIP PORTER GOODRUM3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $193 | — | $193 | 1.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $174 | — | $174 | 1.25% |
| IBENEFIT COMMUNICATION LLC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170 | — | $170 | 1.23% |
| HUGO CHRISTOPHER GUCKERT3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.22% |
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 | 928 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 424 | $309K |
| Vision | EYEMED VISION CARE | 1,372 | $60K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 952 | $668K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 720 | $167K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 952 | $977K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,372 | — |
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.