| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 200 PARK AVENUE, 32ND FLOOR NEW YORK, NY 10166 | STANDARD INSURANCE COMPANY | $245K | $36K | $282K | 7.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $245K | $36K | $282K | 7.39% |
| PINETREE CAPITAL LLC3 Filed as: PINETREE CAPITAL, LLC | 5511 NORTH UNIVERSITY DRIVE SUITE 102 CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $189K | $0 | $189K | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 21820 BURBANK BOULEVARD SUITE 100 SOUTH WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $127K | $41K | $168K | 4.40% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $129K | $129K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $40K | $0 | $40K | 1.04% |
| PINETREE CAPITOL LLC3 Filed as: PINETREE CAPITOL, LLC | 2091 NE 36TH STREET, SUITE 50401 LIGHTHOUSE POINT, FL 33074 | HUMANA INSURANCE COMPANY | $10K | $0 | $10K | 2.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 1901 ROXBOROUGH ROAD, SUITE 315 CHARLOTTE, NC 28211 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 0.53% |
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 | 1,830 | 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) | 1,830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 3,391 | $3.8M |
| Vision | HUMANA INSURANCE COMPANY | 2,886 | $430K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,391 | $3.8M |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,391 | $3.8M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,391 | $3.8M |
| Other | STANDARD INSURANCE COMPANY | 3,391 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,391 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.