| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 5.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY | $12K | $3K | $15K | 18.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | — | STARMOUNT LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY | $1K | $290 | $1K | 19.01% |
| USI INSURANCE SERVICES LLC3 | — | UNUM LIFE INSURANCE COMPANY | $184 | $37 | $221 | 9.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY | $155 | $49 | $204 | 9.02% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM LIFE INSURANCE COMPANY | — | $113 | $113 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY | $322 | $43 | $365 | 16.63% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM LIFE INSURANCE COMPANY | — | $108 | $108 | 4.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNUM LIFE INSURANCE COMPANY | $217 | $40 | $257 | 16.01% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | — | UNUM LIFE INSURANCE COMPANY | — | $80 | $80 | 4.98% |
| USI INSURANCE SERVICES LLC3 | — | UNUM LIFE INSURANCE COMPANY | $23 | $5 | $28 | 1.74% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $740K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 94 | $54K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 94 | $54K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY | 112 | $89K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 112 | $82K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 112 | $82K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $734K |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY | 112 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.