| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | — | $44K | 8.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | EYEMED VISION CARE | $5K | — | $5K | 9.14% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP, LLC | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $8 | $4K | 14.31% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP, LLC | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 1.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $44 | $44 | 0.74% |
| THE ENTERPRISE TEAM, INC.3 Filed as: ENTERPRISE FIRST FINANCIAL SERVICES | 7350 CAMPUS DRIVE COLORADO SPRINGS, CO 80920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | GERBER LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 14.97% |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 919 | $59K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 693 | $496K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 693 | $496K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 693 | $496K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 693 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 919 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.