| 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 | $762 | — | $762 | 11.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO INC | 10807 NEW ALLEGIANCE DR STE 515 COLORADO SPRINGS, CO 80921 | VISION SERVICE PLAN | $349 | — | $349 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(CO), INC. | 10807 NEW ALLEGIANCE DRIVE STE 515 COLORADO SPRINGS, CO 80921 | EYEMED VISION CARE | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 1LIFE PROVIDER | Other fees Service code 99 | PO BOX 81207 SEATTLE, WA 98108 | $89K |
| NFP CORPORATE SERVICES (SE) INC. EIN 59-1031071 BROKER FEES | Insurance brokerage commissions and fees Service code 53 | — | $58K |
| INTEGRA EMPLOYER HEALTH, LLC DBA MA EIN 56-1392505 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $21K |
| DELTA DENTAL OF COLORADO EIN 83-4416613 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
| FIRST HEALTH GROUP, CORP EIN 38-2242132 PPO | Insurance services Service code 23 | — | $4K |
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 | 62 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 77 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 102 | $11K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS AMERICA INSURANCE CORPORATION | 58 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.