| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC. | — | CIGNA | $16K | — | $16K | 5.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) | — | LIFE INS CO OF NO AMERICA | — | $3K | $3K | 1.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | LIFE INS CO OF NO AMERICAN (CIGNA) | — | $4K | $4K | 2.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | LIFE INS CO OF NO AMERICA (CIGNA) | — | $2K | $2K | 1.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) | — | LIFE INS CO OF NO AMERICA | — | $228 | $228 | 1.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH EIN 56-1392505 CONTRACT ADM | Contract Administrator Service code 13 | — | $129K |
| SHARX, LLC EIN 84-3019478 PPO | Claims processing Service code 12 | — | $88K |
| CIGNA EIN 59-1031071 PPO NETWORK | Claims processing Service code 12 | — | $84K |
| TELADOC EIN 04-3705970 PPO | 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 | 537 | 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) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTPORT INSURANCE CORPORATION | 537 | $1.2M |
| Dental | CIGNA | 978 | $314K |
| Vision | CIGNA | 978 | $314K |
| Life insurance | LIFE INS CO OF NO AMERICA | 146 | $202K |
| Short-term disability | LIFE INS CO OF NO AMERICAN (CIGNA) | 398 | $178K |
| Long-term disability | LIFE INS CO OF NO AMERICA (CIGNA) | 355 | $112K |
| Other | LIFE INS CO OF NO AMERICA | 146 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.