| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | AETNA | $97K | $14K | $111K | 5.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | AETNA | $29K | — | $29K | 5.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | MUTUAL OF OMAHA | $9K | $423 | $9K | 15.73% |
| NFP INSURANCE SERVICES INC3 | — | MUTUAL OF OMAHA | — | $176 | $176 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | MUTUAL OF OMAHA | $5K | $239 | $5K | 15.73% |
| NFP INSURANCE SERVICES INC3 | — | MUTUAL OF OMAHA | — | $99 | $99 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | COMPANION LIFE INSURANCE COMPANY | $4K | $216 | $4K | 15.79% |
| NFP INSURANCE SERVICES INC3 | — | COMPANION LIFE INSURANCE COMPANY | — | $90 | $90 | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | COMPANION LIFE INSURANCE COMPANY | $3K | $146 | $3K | 15.74% |
| NFP INSURANCE SERVICES INC3 | — | COMPANION LIFE INSURANCE COMPANY | — | $61 | $61 | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE (NY) LLC | — | MUTUAL OF OMAHA | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE (NY) LLC | — | MUTUAL OF OMAHA | $1K | — | $1K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | COMPANION LIFE INSURANCE COMPANY | $883 | — | $883 | 14.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE (NY) LLC | — | MUTUAL OF OMAHA | $758 | $37 | $795 | 15.74% |
| NFP INSURANCE SERVICES INC3 | — | MUTUAL OF OMAHA | — | $16 | $16 | 0.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | COMPANION LIFE INSURANCE COMPANY | $617 | — | $617 | 15.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | MUTUAL OF OMAHA | $446 | $23 | $469 | 15.78% |
| NFP INSURANCE SERVICES INC3 | — | MUTUAL OF OMAHA | — | $9 | $9 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | MUTUAL OF OMAHA | $1K | — | $1K | 100.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE (NY) LLC | — | MUTUAL OF OMAHA | $632 | — | $632 | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SENTINEL BENEFITS GROUP, LLC EIN 20-5916766 HRA SERVICES | Claims processing; Contract Administrator Service code 12 | — | $9K |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA | 383 | $2.5M |
| Dental(2 contracts) | AETNA | 383 | $2.5M |
| Vision(2 contracts) | AETNA | 383 | $2.5M |
| Life insurance(6 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 176 | $63K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA | 176 | $71K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA | 176 | $40K |
| Other(4 contracts) | MUTUAL OF OMAHA | 176 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.