| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES UT INC. | — | SELECTHEALTH | $72K | $24K | $96K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO | — | METLIFE | $11K | $66 | $11K | 4.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | — | METLIFE | $2K | — | $2K | 0.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO INC | 7350 CAMPUS DRIVE SUITE 100 COLORADO SPRINGS, CO 80920 | UNUM | $13K | $715 | $14K | 14.36% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS (SEE ATTACHED) | — | COLONIAL LIFE | $8K | $180 | $8K | 14.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE CO | — | UNUM | $5K | $323 | $5K | 12.02% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 769 | $2.4M |
| Dental | METLIFE | 894 | $268K |
| Life insurance(2 contracts) | UNUM | 364 | $138K |
| Short-term disability | COLONIAL LIFE | 55 | $54K |
| Long-term disability | UNUM | 364 | $95K |
| Other(3 contracts, 2 carriers) | UNUM | 364 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 894 | — |
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."
No prospect flags tripped on this filing.