| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 8.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC. | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | SUNLIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 7.78% |
| NFP INSURANCE SERVICES INC3 | 1250 S. CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUNLIFE ASSURANCE COMPANY OF CANADA | $304 | — | $304 | 0.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $923 | — | $923 | 6.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $328 | — | $328 | 6.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $242 | — | $242 | 6.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $224 | — | $224 | 6.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | STANDARD INSURANCE COMPANY | $44 | — | $44 | 7.01% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | STANDARD INSURANCE COMPANY | 50 | $42K |
| Vision(3 contracts) | STANDARD INSURANCE COMPANY | 52 | $9K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 129 | $95K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 129 | $95K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.