| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $196K | $7K | $203K | 17.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 3900 NORTH TRAVERSE MOUNTAIN BOULEV SUITE 301 LEHI, UT 84043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.51% |
| SIMPLIFY INSURANCE LLC3 | 36 SOUTH 400 WEST SUITE 201 OREM, UT 84058 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.68% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $228 | $228 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 3900 NORTH TRAVERSE MOUNTAIN BOULEV SUITE 301 LEHI, UT 84043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.41% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $61 | $61 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT INC | 1139 SOUTH OREM BOULEVARD OREM, UT 84058 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 47.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 3900 NORTH TRAVERSE MOUNTAIN BOULEV SUITE 301 LEHI, UT 84043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 8.56% |
| SIMPLIFY INSURANCE LLC3 | 36 SOUTH 400 WEST SUITE 201 OREM, UT 84058 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $577 | — | $577 | 0.79% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $57 | $57 | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 3900 NORTH TRAVERSE MOUNTAIN BOULEV SUITE 301 LEHI, UT 84043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 11.28% |
| SIMPLIFY INSURANCE LLC3 | 36 SOUTH 400 WEST SUITE 201 OREM, UT 84058 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $770 | — | $770 | 1.38% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $60 | $60 | 0.11% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 938 | $186K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $56K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 412 | $1.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 938 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 938 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.