| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | CIGNA HELATH AND LIFE INSURANCE COMPANY | $10K | $2K | $12K | 10.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA, INC. | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 8.40% |
| NFP INSURANCE SERVICES INC3 | 1250 S. CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $249 | — | $249 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $905 | — | $905 | 4.85% |
| NFP INSURANCE SERVICES INC3 | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $185 | — | $185 | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $66 | — | $66 | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $731 | $0 | $731 | 4.86% |
| NFP INSURANCE SERVICES INC3 | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $149 | $0 | $149 | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $53 | $0 | $53 | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $187 | $0 | $187 | 4.88% |
| NFP INSURANCE SERVICES INC3 | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $39 | $0 | $39 | 1.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $161 | $0 | $161 | 4.88% |
| NFP INSURANCE SERVICES INC3 | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $33 | $0 | $33 | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $126 | $0 | $126 | 4.86% |
| NFP INSURANCE SERVICES INC3 | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $26 | $0 | $26 | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $9 | $0 | $9 | 0.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER COURT CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $23 | $0 | $23 | 4.89% |
| NFP INSURANCE SERVICES INC3 | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $5 | $0 | $5 | 1.06% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | STANDARD INSURANCE COMPANY | 35 | $36K |
| Vision(3 contracts) | STANDARD INSURANCE COMPANY | 38 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $82K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $82K |
| Stop-loss / reinsurancereinsurance | CIGNA HELATH AND LIFE INSURANCE COMPANY | 94 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
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.