| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 9655 SCHMIDT LAKE ROAD, SUITE 100 PLYMOUTH, MN 55442 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $229K | — | $229K | 1.11% |
| FCI3 | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | ALLSTATE BENEFITS | $125K | — | $125K | 9.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MINNESOTA | 9655 SCHMIDT LAKE ROAD, SUITE 100 PLYMOUTH, MN 55442 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $133K | $15K | $147K | 20.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 1.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 7.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $196 | — | $196 | 7.49% |
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 | 2,879 | 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) | 2,879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 4,041 | $22.1M |
| Dental(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 2,092 | $1.4M |
| Vision(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 7,462 | $1.5M |
| Life insurance(3 contracts, 3 carriers) | ALLSTATE BENEFITS | 2,882 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 2,882 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,882 | $722K |
| Prescription drug(3 contracts, 3 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 4,041 | $22.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,882 | $854K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,462 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.