| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIASTAR LIFE INSURANCE COMPANY | $13K | $58K | $71K | 6.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC. | 3900 N TRAVERSE MTN BLVD, STE 301 LEHI, UT 840434984 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $66 | $11K | 1.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC. | 3900 N TRAVERSE MTN BLVD, SUITE 301 LEHI, UT 84043 | HARTFORD LIFE AND ACCIDENT | $59K | $0 | $59K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD, SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 1.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC. | 3900 N TRAVERSE MTN BLVD, STE 301 LEHI, UT 84043 | EYEMED VISION CARE | $5K | $0 | $5K | 10.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC. | 3900 N TRAVERSE MTN BLVD, STE 301 LEHI, UT 84043 | EYEMED VISION CARE | $3K | $0 | $3K | 10.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC. | 3900 N TRAVERSE MTN BLVD, STE 301 LEHI, UT 84043 | EYEMED VISION CARE | $1K | $0 | $1K | 10.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC. | 3900 N TRAVERSE MTN BLVD LEHI, UT 84043 | EYEMED VISION CARE | $532 | $0 | $532 | 10.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT), INC. | 3900 N TRAVERSE MTN BLVD, STE 301 LEHI, UT 84043 | SELECTHEALTH | $58K | $0 | $58K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $844K |
| SELECTHEALTH EIN 87-0409820 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 5381 GREEN ST MURRAY, UT 84123 | $269K |
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 | 990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,655 | $993K |
| Vision(4 contracts) | EYEMED VISION CARE | 1,012 | $101K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,440 | $589K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,440 | $589K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 960 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,655 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.