| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF TEXAS | $44K | $2K | $46K | 1.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 WEST LAKE HILLS, TX 78746 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.40% |
| KACY LAVENDER4 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $780 | $0 | $780 | 8.24% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP COPROATE SERVICES | 500 WEST MADISON STREET, 32ND FLOOR CHICAGO, IL 60661 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $574 | $0 | $574 | 6.06% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 414 | $2.4M |
| Vision | VISION SERVICE PLAN | 160 | $59K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $124K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $124K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $124K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 414 | $2.4M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.