| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (CO) INC. | 10807 NEW ALLEGIANCE DRIVE STE 515 COLORADO SPRINGS, CO 80921 | EYEMED VISION CARE | $574 | — | $574 | 10.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO INC | 10807 NEW ALLEGIANCE DR STE 515 COLORADO SPRINGS, CO 80921 | VISION SERVICE PLAN | $386 | — | $386 | 9.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(CO), INC. | 10807 NEW ALLEGIANCE DRIVE STE 515 COLORADO SPRINGS, CO 80921 | EYEMED VISION CARE | $76 | — | $76 | 9.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CORPORATE SERVICES INSURANCE AGENT | Insurance agents and brokers Service code 22 | 10807 NEW ALLEGIANCE DR STE 515 COLORADO SPRINGS, CO 80921 | $55K |
| INSURANCE MANAGEMENT SERVICES EIN 75-2355889 THIRD PARTY ADMINISTRATOR | Plan Administrator; Claims processing Service code 12 | — | $27K |
| DELTA DENTAL EIN 84-0568337 NONE | Contract Administrator Service code 13 | — | $11K |
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 | 66 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTPORT INSURANCE COMPANY | 59 | $228K |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 110 | $10K |
| Prescription drug | WESTPORT INSURANCE COMPANY | 59 | $228K |
| Other | WESTPORT INSURANCE COMPANY | 59 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.