| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(TX), LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $32K | $1K | $33K | 2.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(TX) | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 AUSTIN, TX 78746 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 16.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES T | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78734 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(TX), LLC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 20.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BOULEVARD SUITE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $391 | $391 | 3.02% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | 7272 EAST INDIAN SCHOOL ROAD SUITE 220 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $257 | $257 | 1.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $47 | $47 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES T | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78734 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES T | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78734 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78734 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $922 | — | $922 | 15.01% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 165 | $1.1M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 98 | $84K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 98 | $84K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 97 | $13K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 97 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 97 | $13K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 102 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.