| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | DELTA DENTAL OF TENNESSEE | $13K | $0 | $13K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $9K | 18.02% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $640 | $640 | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 200 PARK AVE FLOOR 32 NEW YORK, NY 10166 | 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 | $494 | $494 | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 200 PARK AVE FLOOR 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.26% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $466 | $466 | 1.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 200 PARK AVE FLOOR 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $835 | $6K | 17.46% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $348 | $348 | 1.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 200 PARK AVE FLOOR 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $840 | $7K | 22.81% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $350 | $350 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 200 PARK AVE FLOOR 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $771 | $6K | 22.91% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $321 | $321 | 1.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SSERVICES NY LLC | 200 PARK AVE FLOOR 32 NEW YORK, NY 10166 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $312 | $2K | 17.28% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $130 | $130 | 0.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $770 | $0 | $770 | 5.88% |
| 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 | $216 | $0 | $216 | 1.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE SUITE 3202 NEW YORK, NY 10166 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | $211 | $0 | $211 | 1.61% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 229 | $345K |
| Dental | DELTA DENTAL OF TENNESSEE | 403 | $128K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INSURANCE COMPANY | 385 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $51K |
| Prescription drug | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 229 | $345K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 229 | $345K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.