| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET CHICAGO, IL 60661 | AETNA | $54K | $0 | $54K | 1.29% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA | $41K | $0 | $41K | 0.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET CHICAGO, IL 60661 | AETNA HEALTH, INC. | $5K | $0 | $5K | 1.19% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA HEALTH, INC. | $4K | $0 | $4K | 0.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5 REVERE DR STE 550 NORTHBROOK, IL 60062 | MUTUAL OF OMAHA INSURANCE COMPANY | $22K | $0 | $22K | 6.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING CO CHICAGO | PO BOX 905494 CHARLOTTE, NC 28290 | MUTUAL OF OMAHA INSURANCE COMPANY | $12K | $0 | $12K | 3.50% |
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 77 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 723 | $4.2M |
| Dental | AETNA | 723 | $4.2M |
| Vision | EYEMED | 571 | $38K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 393 | $337K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 393 | $337K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 393 | $337K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 393 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.