| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE UT INC | — | DENTIST DIRECT, LLC | $9K | — | $9K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | LIFE INS CO OF NO AMERICA (NYL) | $17K | $364 | $17K | 21.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC | — | GUARDIAN | $9K | $740 | $9K | 25.84% |
| RYAN H BECK3 | — | GUARDIAN | $9K | — | $9K | 24.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE UT, INC | — | DENTIST DIRECT, LLC | $809 | — | $809 | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | LIFE INS CO OF NO AMERICA (NYL) | $3K | $72 | $3K | 22.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT, INC | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT, INC | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | — |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HSA HEALTH INSURANCE CO | 776 | $450K |
| Dental | DENTIST DIRECT, LLC | 205 | $230K |
| Vision | DENTIST DIRECT, LLC | 205 | $20K |
| Life insurance | LIFE INS CO OF NO AMERICA (NYL) | 423 | $77K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug | HSA HEALTH INSURANCE CO | 776 | $450K |
| Stop-loss / reinsurancereinsurance | HSA HEALTH INSURANCE CO | 776 | $450K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 394 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.