| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 10 31 2025 AOL PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | $117K | $134K | 3.76% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $23K | $26K | 0.73% |
| AGENT ALLIANCE CORPORATION3 Filed as: AGENT NOT LISTED | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $15K | $15K | 0.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES SE INC. | NFP CORPORATE SERVICES CHARLOTTE, NC 28211 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 14.84% |
| FALLON BENEFITS GROUP INC.3 | FALLON BENEFITS GROUP ATLANTA, GA 30326 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | $13K | $22K | 7.85% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES | ALKEME INSURANCE SERVICES, INC. LADERA RANCH, CA 92694 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.41% |
| KEELER & ASSOCIATES3 Filed as: KEELER ASSOCIATES, INC. | KELLER ASSOCIATES, INC. PLATTSMOUTH, NE 68048 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.63% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC. | 211 S. 23RD STREET PLATTSMOUTH, NE 68048 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 12.64% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 4.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD. SUITE 315 CHARLOTTE, NC 28211 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 4.27% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | TRUSTMARK INSURANCE COMPANY | $239 | — | $239 | 0.89% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | PO BOX 785700 PHILADELPHIA, PA 19178 | TRUSTMARK INSURANCE COMPANY | $64 | — | $64 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | — | 1.800MD, LLC | $312 | — | $312 | 30.09% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 247 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 225 | $3.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 225 | $3.6M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 247 | $281K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 247 | $281K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 247 | $281K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 247 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.