| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT INC | 3900 N TRAVERSE MOUNTAIN BLVD STE 3 LEHI, UT 84043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT INC | 3900 N TRAVERSE MOUNTAIN BLVD STE 3 LEHI, UT 84043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT INC | 3900 N TRAVERSE MOUNTAIN BLVD STE 3 LEHI, UT 84043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT INC | 3900 N TRAVERSE MOUNTAIN BLVD STE 3 LEHI, UT 84043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $598 | $0 | $598 | 19.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CORPORATE SERVICES (UT) INC BROKER | Insurance agents and brokers Service code 22 | 3900 N TRAVERSE MOUNTAIN BLVD STE 3 LEHI, UT 84043 | $63K |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 246 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 246 | $1.5M |
| Vision | AETNA LIFE INSURANCE CO. | 246 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $16K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.