| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES | — | HSA HEALTH INSURANCE CO | $19K | — | $19K | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | 3900 N TRAVERSE MTN BLVD #301 LEHI, UT 84043 | COMPANION LIFE INS. | $3K | — | $3K | 2.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | AMERICAN UNITED LIFE INSURANCE | $2K | — | $2K | 11.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | — | GLOBAL MANUFACTURING | $907 | — | $907 | 7.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE INC | 3900 N TRAVERSE MTN BLVD LEHI, UT 84043 | PRUDENTIAL | $902 | — | $902 | 9.85% |
| AXA ASSISTANCE, USA3 | — | PRUDENTIAL | — | $24 | $24 | 0.26% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HSA HEALTH INSURANCE CO | 344 | $930K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INS. | 228 | $112K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE | 164 | $31K |
| Prescription drug | HSA HEALTH INSURANCE CO | 344 | $930K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE | 164 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.