| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $12K | $12K | 3.26% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.25% |
| UMR, INC.3 | 5151 PFEIFFER RD ML 400 CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.61% |
| NFP INSURANCE SERVICES INC7 Filed as: NFP CORPORATE SERVICES SE | 10807 NEW ALLEGIANCE DRIV STE 515 COLORADO SPRINGS, CO 80921 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $10K | — | $10K | 14.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 23.00% |
| PLANSOURE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $586 | $586 | 1.00% |
| NFP INSURANCE SERVICES INC7 Filed as: NFP CORPORATE SERVICES SE | 10807 NEW ALLEGIANCE DRIV STE 515 COLORADO SPRINGS, CO 80921 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $267 | $2K | $3K | 112.99% |
| NFP INSURANCE SERVICES INC7 Filed as: NFP CORPORATE SERVICES SE | 10807 NEW ALLEGIANCE DRIV STE 515 COLORADO SPRINGS, CO 80921 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $167 | $1K | $2K | 110.81% |
| NFP INSURANCE SERVICES INC7 Filed as: NFP CORPORATE SERVICES SE | 10807 NEW ALLEGIANCE DRIV STE 515 COLORADO SPRINGS, CO 80921 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $814 | $814 | 56.33% |
| NFP INSURANCE SERVICES INC7 Filed as: NFP CORPORATE SERVICES SE | 10807 NEW ALLEGIANCE DRIV STE 515 COLORADO SPRINGS, CO 80921 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59 | $1K | $1K | 78.78% |
| NFP INSURANCE SERVICES INC7 Filed as: NFP CORPORATE SERVICES SE | 10807 NEW ALLEGIANCE DRIV STE 515 COLORADO SPRINGS, CO 80921 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $186 | $186 | 60.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $169K |
| EVERNORTH BEHAVIORAL HEALTH INC. EIN 41-1648670 CLAIMS PROCESSING | Claims processing Service code 12 | — | $12K |
| FLORES AND ASSOCIATES EIN 56-1542307 CLAIMS PROCESSING | Claims processing Service code 12 | — | $5K |
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 | 369 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 12 | $95K |
| Short-term disability(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 360 | $65K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8 | $1K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.