| 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 LIFE INSURANCE CO | $102K | $0 | $102K | 2.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | 500 WEST MADISON STREET CHICAGO, IL 60661 | AETNA HEALTH, INC. | $8K | $0 | $8K | 2.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 5 REVERE DR STE 550 NORTHBROOK, IL 60062 | MUTUAL OF OMAHA INSURANCE COMPANY | $35K | $10K | $45K | 14.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPTIAL OF TX HWY BLDG II STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $4K | $4K | 1.34% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $944 | $944 | 0.30% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 702 | $4.6M |
| Dental | AETNA LIFE INSURANCE CO | 702 | $4.6M |
| Vision | AETNA LIFE INSURANCE CO | 702 | $4.6M |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 397 | $314K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 397 | $314K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 397 | $314K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 397 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.