| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | — | HARTFORD | $24K | $3K | $26K | 7.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | 7350 CAMPUS DRIVE SUITE 100 COLORADO SPRINGS, CO 80920 | EYEMED VISION CARE | $3K | — | $3K | 9.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | 7350 CAMPUS DRIVE SUITE 100 COLORADO SPRINGS, CO 80920 | PROVIDENT | $7K | — | $7K | 49.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY BLDG 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT | $0 | $593 | $593 | 4.14% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: BENEFIT SERVICES GROUP LLC | 7350 CAMPUS DRIVE SUITE 100 COLORADO SPRINGS, CO 80920 | PROVIDENT | $198 | — | $198 | 1.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 7350 CAMPUS DRIVE SUITE 100 COLORADO SPRINGS, CO 80920 | DELTA DENTAL OF COLORADO | $611 | — | $611 | 5.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP EIN 77-0385729 CONTRACT ADM | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $179K |
| NFP CORPORATE SERVICES EIN 26-0807565 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $121K |
| COFINITY EIN 84-0969104 PPO UR VENDOR | Other fees; Direct payment from the plan Service code 50 | — | $34K |
| OPTUM EIN 33-0441200 TPA | Contract Administrator Service code 13 | — | $19K |
| DELTA DENTAL OF COLORADO EIN 84-0568337 CLAIMS ADM | 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 | 662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 82 | $12K |
| Vision | EYEMED VISION CARE | 479 | $27K |
| Life insurance | HARTFORD | 669 | $332K |
| Short-term disability | HARTFORD | 669 | $332K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD | 669 | $347K |
| Other | HARTFORD | 669 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.