| 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 | $585K | — | $585K | 3.14% |
| FCI3 | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | ALLSTATE WORKPLACE DIVISION | $130K | — | $130K | 12.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 9655 SCHMIDT LAKE ROAD, SUITE 100 PLYMOUTH, MN 55442 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134K | $11K | $145K | 16.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 9655 SCHMIDT LAKE ROAD, SUITE 100 PLYMOUTH, MN 55442 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 1.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 9655 SCHMIDT LAKE ROAD, SUITE 100 PLYMOUTH, MN 55442 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117K | — | $117K | 62.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $468 | — | $468 | 0.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 9655 SCHMIDT LAKE ROAD, SUITE 100 PLYMOUTH, MN 55442 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 7.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 9655 SCHMIDT LAKE ROAD, SUITE 100 PLYMOUTH, MN 55442 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $191 | — | $191 | 7.50% |
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 | 2,772 | 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) | 2,772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 3,899 | $19.9M |
| Dental(3 contracts, 3 carriers) | ALLSTATE WORKPLACE DIVISION | 2,557 | $1.3M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 8,296 | $269K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,583 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,583 | $863K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,583 | $863K |
| Prescription drug(3 contracts, 3 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 3,899 | $19.7M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,583 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,296 | — |
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.