| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 6450 ROCKSIDE WOODS BLVD CLEVELAND, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 7.19% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES OH INC | 7438 JAGER COURT CINCINNATI, OH 45230 | SUNLIFE ASSURANCE COMPANY OF CANADA | $9K | $9K | $19K | 15.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD SUITE 250 CLEVELAND, OH 45230 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 5.39% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $301 | $0 | $301 | 1.10% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $279 | $279 | 1.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD SOUTH SUITE 250 CLEVELAND, OH 45230 | STANDARD INSURANCE COMPANY | $1K | $88 | $1K | 5.36% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $246 | $0 | $246 | 1.01% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $237 | $237 | 0.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD CLEVELAND, OH 45230 | STANDARD INSURANCE COMPANY | $323 | $0 | $323 | 5.37% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $61 | $0 | $61 | 1.01% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $59 | $59 | 0.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD SUITE 250 CLEVELAND, OH 45230 | STANDARD INSURANCE COMPANY | $267 | $0 | $267 | 5.78% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $51 | $0 | $51 | 1.10% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $47 | $47 | 1.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD SUITE 250 CLEVELAND, OH 45230 | STANDARD INSURANCE COMPANY | $227 | $0 | $227 | 5.73% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $41 | $0 | $41 | 1.04% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $39 | $39 | 0.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD SUITE 250 CLEVELAND, OH 45230 | STANDARD INSURANCE COMPANY | $53 | $0 | $53 | 5.72% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $9 | $0 | $9 | 0.97% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $9 | $9 | 0.97% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | STANDARD INSURANCE COMPANY | 48 | $58K |
| Vision(3 contracts) | STANDARD INSURANCE COMPANY | 45 | $10K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 131 | $123K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
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.