| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX), LLC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSITN, TX 78746 | AETNA LIFE INSURANCE CO. | — | $86K | $86K | 4.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX), LLC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSITN, TX 78734 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 10.00% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC. | 8777 NORTH GAINEY DRIVE, SUITE 260 SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 3.35% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC. | 8777 NORTH GAINEY DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY WEST LAKE HILLS, TX 78746 | VISION SERVICE PLAN | $2K | — | $2K | 3.51% |
| KACY LAVENDER4 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 11.94% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES OF IL, INC. | 500 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60661 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $534 | $0 | $534 | 5.99% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 363 | $1.9M |
| Vision | VISION SERVICE PLAN | 142 | $56K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $94K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $94K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 363 | $1.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.