| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 45230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 7.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (LA) INC | 1800 CITY FARM DR BLDG 5A BATON ROUGE, LA 70806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 5.47% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH, INC. | 7438 JAGER CT. CINCINNATI, OH 452304344 | STANDARD INSURANCE COMPANY | $8K | — | $8K | — |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $659 | $659 | — |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 187 | $0 |
| Vision | STANDARD INSURANCE COMPANY | 187 | $0 |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 264 | $311K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 264 | $311K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.