| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 11 SCOTT ST. STE 100 MAIL STOP 7320 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $18K | $18K | 3.00% |
| ALLERTLY GROUP LLC3 | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIASTAR LIFE INSURANCE COMPANY | — | $12K | $12K | 2.08% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 80016 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 0.33% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIRCLE STE 540 BOCA RATON, FL 33486 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 W MADISON STREET FLOOR 32 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $8K | $14K | 8.70% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 6.31% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 CAPITAL OF TX HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 W MADISON STREET FLOOR 32 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $7K | $8K | 5.32% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 CAPITAL OF TX HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.42% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 W MADISON STREET FLOOR 32 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 4.02% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC. | 1250 CAPITAL OF TX HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $916 | $916 | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 W MADISON STREET FLOOR 32 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $1K | $3K | 6.89% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.71% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 CAPITAL OF TX HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $622 | — | $622 | 1.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $424 | $424 | 1.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 W MADISON STREET FLOOR 32 CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $272 | $200 | $472 | 10.35% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $412 | — | $412 | 9.03% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 1250 CAPITAL OF TX HWY S BLDG 2 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $91 | — | $91 | 1.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $63 | $63 | 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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 546 | $148K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $200K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 434 | $73K |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 563 | $916K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.