| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | — | RELIASTAR | $81K | $35K | $116K | 16.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7350 CAMPUS DRIVE, SUITE 100 COLORADO SPRINGS, CO 80920 | EYEMED VISION CARE | $8K | — | $8K | 9.88% |
| 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 | $2K | — | $2K | 15.14% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP | — | UNUM | $2K | — | $2K | 15.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | GERBER LIFE | $135 | — | $135 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP EIN 77-0385729 CONTRACT ADM | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $159K |
| NFP CORPORATE SERVICES EIN 26-0807565 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $120K |
| COFINITY EIN 84-0969104 PPO UR VENDOR | Other fees; Direct payment from the plan Service code 50 | — | $75K |
| DELTA DENTAL EIN 84-0568337 CLAIMS ADM | Claims processing Service code 12 | — | $50K |
| PAYFLEX EIN 91-1774432 CLAIMS PROCESSING | Claims processing Service code 12 | — | $20K |
| EXPRESS SCRIPTS EIN 43-1420563 CLAIMS PROCESSING | Claims processing Service code 12 | — | $8K |
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 | 944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,334 | $85K |
| Life insurance | RELIASTAR | 3,218 | $724K |
| Short-term disability | RELIASTAR | 3,218 | $724K |
| Long-term disability | RELIASTAR | 3,218 | $724K |
| Other(4 contracts, 4 carriers) | RELIASTAR | 3,218 | $753K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.