| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES CO | — | UNITED OF OMAHA | $5K | $979 | $6K | 18.13% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | — | UNITED OF OMAHA | $2K | — | $2K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA | $0 | $544 | $544 | 1.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES CO | — | CIGNA | $3K | — | $3K | 10.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES CO | — | UNITED OF OMAHA | $6K | $1K | $7K | 23.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA | $0 | $421 | $421 | 1.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES CO | — | UNITED OF OMAHA | $2K | $816 | $3K | 9.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA | $0 | $340 | $340 | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES CO INC | — | UNITED OF OMAHA | $5K | $930 | $6K | 23.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA | $0 | $387 | $387 | 1.42% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | — | UNITED OF OMAHA | $4K | — | $4K | 14.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES CO | — | UNITED OF OMAHA | $2K | $349 | $2K | 7.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA | $0 | $485 | $485 | 1.89% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | — | UNITED OF OMAHA | $4K | — | $4K | 14.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES CO | — | UNITED OF OMAHA | $2K | $335 | $2K | 7.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA | $0 | $465 | $465 | 1.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES CO | — | UNITED OF OMAHA | $4K | $839 | $5K | 24.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | — | UNITED OF OMAHA | $0 | $350 | $350 | 1.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES CO | — | VISION SERVICES PLAN | $2K | — | $2K | 9.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 TPA | Contract Administrator; Claims processing Service code 12 | — | $213K |
| NFP INSURANCE SERVICES EIN 94-2741175 BROKER | Insurance agents and brokers Service code 22 | — | $74K |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 379 | $577K |
| Dental | CIGNA | 204 | $30K |
| Vision | VISION SERVICES PLAN | 297 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 372 | $60K |
| Short-term disability(2 contracts) | UNITED OF OMAHA | 318 | $48K |
| Long-term disability | UNITED OF OMAHA | 268 | $27K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA | 372 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.