| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3900 NORTH TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $38K | $0 | $38K | 4.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3900 NORTH TRAVERSE MOUNTAIN BLVD SUITE 301 LEHI, UT 84043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $7K | 12.85% |
| ACRISURE LLC4 Filed as: ORION PARKER | 65 NORTH 100 WEST HURRICANE, UT 84737 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $133 | $0 | $133 | 5.09% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES | 500 WEST MADISON STREET CHICAGO, IL 60661 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $122 | $0 | $122 | 4.67% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $39 | $0 | $39 | 1.49% |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 347 | $888K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 347 | $888K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 92 | $56K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 92 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 92 | $56K |
| Prescription drug | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 347 | $888K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 92 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.