| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC. | — | SELECTHEALTH | $87K | $17K | $105K | 5.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | — | EMI HEALTH | $9K | — | $9K | 7.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | LIFE INS CO OF NORTH AMERICA | $11K | $277 | $11K | 20.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | LIFE INS CO OF NORTH AMERICA | $7K | $188 | $7K | 20.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | LIFE INS CO OF NORTH AMERICA | $7K | $157 | $7K | 20.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | — | EMI HEALTH | $1K | — | $1K | 7.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | LIFE INS CO OF NORTH AMERICA | $1K | $26 | $1K | 20.46% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 341 | $1.7M |
| Dental | EMI HEALTH | 386 | $130K |
| Vision | EMI HEALTH | 218 | $19K |
| Life insurance | LIFE INS CO OF NORTH AMERICA | 315 | $35K |
| Short-term disability | LIFE INS CO OF NORTH AMERICA | 171 | $53K |
| Long-term disability | LIFE INS CO OF NORTH AMERICA | 171 | $36K |
| Other | LIFE INS CO OF NORTH AMERICA | 249 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.