| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT INC | — | METLIFE | — | $66 | $66 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) | — | GUARDAIN | $29K | — | $29K | 25.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDAIN | — | $5K | $5K | 4.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) | — | LINCOLN NATIONAL | — | $3K | $3K | 2.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | LINCOLN NATIONAL | — | $2K | $2K | 2.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) | — | LINCOLN NATIONAL | — | $2K | $2K | 2.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | LINCOLN NATIONAL | — | $1K | $1K | 2.11% |
| NFP INSURANCE SERVICES INC3 | — | AMERITAS | — | $1K | $1K | 2.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) | — | LINCOLN NATIONAL | — | $1K | $1K | 2.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | LINCOLN NATIONAL | — | $863 | $863 | 2.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 TPA | Contract Administrator; Claims processing Service code 12 | — | $326K |
| NFP INSURANCE SERVICES UT EIN 26-3781081 CONSULTING FEE | Insurance agents and brokers Service code 22 | — | $108K |
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE | 377 | $645K |
| Dental | METLIFE | 846 | $403K |
| Vision | AMERITAS | 798 | $45K |
| Life insurance | LINCOLN NATIONAL | 459 | $95K |
| Short-term disability | LINCOLN NATIONAL | 459 | $65K |
| Long-term disability | LINCOLN NATIONAL | 459 | $42K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE | 377 | $645K |
| Other | GUARDAIN | 270 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 846 | — |
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.