| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL STE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $422K | $422K | 5.58% |
| NATIONAL ACCOUNT SERVICES3 | 11111 SANTA MONICA BLVD SUITE 1150 LOS ANGELES, CA 90025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $97K | $97K | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES INC | 7272 E INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 85251 | AETNA LIFE INSURANCE CO. | $161K | $96K | $257K | 3.96% |
| NATIONAL ACCOUNT SERVICES3 Filed as: NATIONAL ACCOUNT SERVICES INC. | 40 VIA TIBERIUS WAY HENDERSON, NV 89011 | AETNA LIFE INSURANCE CO. | $33K | — | $33K | 0.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL STE 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $265K | $265K | 5.17% |
| NATIONAL ACCOUNT SERVICES3 | 11111 SANTA MONICA BLVD SUITE 1150 LOS ANGELES, CA 90025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $87K | $87K | 1.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL STE 415 SCOTTSDALE, AZ 85251 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 4.96% |
| NATIONAL ACCOUNT SERVICES3 | 11111 SANTA MONICA BLVD SUITE 1150 LOS ANGELES, CA 90025 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $436 | $436 | 1.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES INC. | 7272 E INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | HARTFORD LIFE AND ACCIDENT | $223 | $90 | $313 | 7.03% |
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 | 24,826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 249 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,047 | $9.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 5,403 | $954K |
| Vision | VISION SERVICE PLAN | 18,509 | $2.6M |
| Life insurance | AETNA LIFE INSURANCE CO. | 38,059 | $6.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 24,420 | $7.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 24,278 | $5.1M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,047 | $4.4M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 38,059 | $11.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,059 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.