| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC. | — | SELECTHEALTH | $82K | $16K | $98K | 5.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | — | EMI HEALTH | $9K | — | $9K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | LIFE INS CO OF NORTH AMERICA | — | $2K | $2K | 2.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES UT | — | GUARDIAN | $12K | $2K | $14K | 27.44% |
| RYAN HANS BECK3 | — | GUARDIAN | $12K | — | $12K | 24.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT | — | LIFE INS CO OF NORTH AMERICA | $10K | $1K | $11K | 22.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | LIFE INS CO OF NORTH AMERICA | $9K | $1K | $11K | 22.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | — | EMI HEALTH | $2K | — | $2K | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | LIFE INS CO OF NORTH AMERICA | $2K | — | $2K | 20.00% |
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 | 127 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 324 | $1.6M |
| Dental | EMI HEALTH | 402 | $144K |
| Vision | EMI HEALTH | 253 | $25K |
| Life insurance | LIFE INS CO OF NORTH AMERICA | 349 | $51K |
| Short-term disability | LIFE INS CO OF NORTH AMERICA | 188 | $69K |
| Long-term disability | LIFE INS CO OF NORTH AMERICA | 188 | $47K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 281 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.