| 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. | $34K | $0 | $34K | 2.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OF UT, INC. | 3900 NORTH TRAVERSE MOUNTAIN BLVD. LEHIUT, UT 84043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 14.91% |
| ACRISURE LLC4 Filed as: ORION PARKER | 65 NORTH 100 WEST HURRICANE, UT 84737 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $202 | $0 | $202 | 8.14% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES OF IL, INC. | 500 WEST MADISON STREET, 32ND FLOOR CHICAGO, IL 60661 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $81 | $0 | $81 | 3.26% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $68 | $0 | $68 | 2.74% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 244 | $1.6M |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 244 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $49K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $49K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.