| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC3 | — | GREAT MIDWEST INSURANCE COMPANY | $230K | — | $230K | 22.12% |
| CIGNA3 | — | GREAT MIDWEST INSURANCE COMPANY | $66K | — | $66K | 6.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | GREAT MIDWEST INSURANCE COMPANY | $21K | — | $21K | 2.03% |
| AMINO, INC.3 Filed as: AMINO, INC | 25 TAYLOR STREET SUITE 208 SAN FRANCISCO, CA 94102 | GREAT MIDWEST INSURANCE COMPANY | $11K | — | $11K | 1.01% |
| TELADOC3 | — | GREAT MIDWEST INSURANCE COMPANY | $7K | — | $7K | 0.69% |
| CURALINC HEALTHCARE3 Filed as: CURALINC | — | GREAT MIDWEST INSURANCE COMPANY | $6K | — | $6K | 0.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $62 | $31K | 10.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 1800 CITY FARM DRIVE BUILDING 5A BATON ROUGE, LA 70806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 14.74% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $557 | $557 | 0.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA), INC. | 1800 CITY FARMS DRIVE BATON ROUGE, LA 70806 | VISION SERVICE PLAN | $6K | — | $6K | 9.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1800 CITY FARM DRIVE BATON ROUGE, LA 70806 | LIFESECURE INSURANCE COMPANY | $792 | — | $792 | 5.21% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 1456 BROOK HOLLOW BLVD. SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $447 | — | $447 | 2.94% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $114 | — | $114 | 0.75% |
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 | 560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,485 | $288K |
| Vision | VISION SERVICE PLAN | 374 | $61K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 515 | $195K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 515 | $195K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 440 | $1.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 515 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,485 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.