| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC. | — | CIGNA | $15K | $1K | $16K | 6.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH EIN 56-1392505 CONTRACT ADM | Contract Administrator Service code 13 | — | $96K |
| CIGNA EIN 59-1031071 PPO NETWORK | Claims processing Service code 12 | — | $65K |
| SHARX, LLC EIN 84-3019478 PPO | Claims processing Service code 12 | — | $57K |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTPORT INSURANCE CORPORATION | 419 | $745K |
| Dental | CIGNA | 401 | $257K |
| Vision | CIGNA | 401 | $257K |
| Life insurance | LIFE INS CO OF NO AMERICA (CIGNA) | 635 | $80K |
| Short-term disability | LIFE INS CO OF NO AMERICAN (CIGNA) | 305 | $130K |
| Long-term disability | LIFE INS CO OF NO AMERICA (CIGNA) | 271 | $61K |
| Other | LIFE INS CO OF NO AMERICA (CIGNA) | 0 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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.