| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | US BENEFITS INSURANCE SERVICE LLC | $48K | $0 | $48K | 14.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | DELTA DENTAL OF TENNESSEE | $11K | $0 | $11K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $9K | 18.36% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $700 | $700 | 1.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 17.91% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $483 | $483 | 1.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.03% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $506 | $506 | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $772 | $6K | 22.92% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $322 | $322 | 1.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $678 | $6K | 22.75% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $283 | $283 | 1.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $603 | $3K | 18.22% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $251 | $251 | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $966 | $214 | $1K | 18.33% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $89 | $89 | 1.38% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US BENEFITS INSURANCE SERVICE LLC | 249 | $326K |
| Dental | DELTA DENTAL OF TENNESSEE | 362 | $112K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 347 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $50K |
| Prescription drug | US BENEFITS INSURANCE SERVICE LLC | 249 | $326K |
| Stop-loss / reinsurancereinsurance | US BENEFITS INSURANCE SERVICE LLC | 249 | $326K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.