| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | — | RELIASTAR | $114K | $51K | $164K | 16.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO), INC. | — | EYEMED VISION CARE | $12K | — | $12K | 9.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE (CO) INC | — | PROVIDENT LIFE AND ACCIDENT | $13K | — | $13K | 16.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | — | PROVIDENT LIFE AND ACCIDENT | — | $4K | $4K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | BENISTAR | $818 | — | $818 | 3.82% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP LLC | — | UNUM | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | — | HARTFORD | $466 | — | $466 | 7.49% |
| THE ENTERPRISE TEAM, INC.3 Filed as: ENTERPRISE FIRST FINANCIAL SERVICES | — | PROVIDENT LIFE AND ACCIDENT | $3 | — | $3 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 PPO UR VENDOR | Other fees; Direct payment from the plan Service code 50 | — | $378K |
| HEALTHCOMP EIN 77-0385729 CONTRACT ADM | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $260K |
| NFP CORPORATE SERVICES EIN 26-0807565 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $170K |
| DELTA DENTAL EIN 83-4416613 CLAIMS ADM | Contract Administrator Service code 13 | — | $69K |
| ROCKY MOUNTAIN RESERVE EIN 26-4747121 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $16K |
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 | 1,022 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,081 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BENISTAR | 6 | $28K |
| Vision | EYEMED VISION CARE | 1,830 | $137K |
| Life insurance | RELIASTAR | 5,280 | $1.0M |
| Short-term disability | RELIASTAR | 5,280 | $1.0M |
| Long-term disability(3 contracts, 2 carriers) | RELIASTAR | 5,280 | $1.1M |
| Prescription drug | BENISTAR | 6 | $21K |
| Other(3 contracts, 3 carriers) | RELIASTAR | 5,280 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,280 | — |
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.