| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $1.8M | $491K | $2.3M | 1.35% |
| COMPASS CONSULTING GROUP INC3 | SOUTHPOINT BOULEVARD SUITE 201 JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE COMPANY | $151K | — | $151K | 0.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $175K | — | $175K | 5.33% |
| NIP GROUP INC3 | 900 ROUTE 9 NORTH WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 1.68% |
| NFP INSURANCE SERVICES INC0 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 3.01% |
| NFP INSURANCE SERVICES INC0 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.99% |
| NIP GROUP INC3 | 900 ROUTE 9 NORTH WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.95% |
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 | 97,339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97,339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 17,377 | $168.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 17,377 | $168.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 17,377 | $168.7M |
| Short-term disability(6 contracts) | STANDARD INSURANCE COMPANY | 34,111 | $5.6M |
| Long-term disability(9 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 34,111 | $174.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,111 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.