| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC | 7272 EAST INDIAN SCHOOL ROAD SUITE 415 SCOTTSDALE, AZ 85251 | RELIASTAR LIFE INSURANCE COMPANY | $128K | $48K | $176K | 18.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO), INC | 7350 CAMPUS DRIVE SUITE 100 COLORADO SPRINGS, CO 80920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 11.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE (CO) INC | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 15.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 2.98% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | EXPRESS SCRIPTS, INC. | $660 | — | $660 | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO), INC. | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | LLOYDS OF LONDON | $7K | — | $7K | 18.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 7.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE (CO) INC | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 12.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $560 | $560 | 2.75% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $377 | $377 | 1.85% |
| 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 | $293 | $0 | $293 | 15.02% |
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 | 1,464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,394 | $182K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 2,045 | $173K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,752 | $959K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,752 | $959K |
| Long-term disability(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,752 | $1.1M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 11 | $52K |
| Other(8 contracts, 7 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,752 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,752 | — |
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.