| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC. | — | SELECTHEALTH | $81K | $27K | $107K | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CO INC | — | METLIFE | $11K | $32 | $11K | 4.02% |
| 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 | — | UNUM | $17K | $934 | $18K | 14.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE (CO) INC | — | UNUM | $17K | $934 | $18K | 14.39% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS (SEE ATTACHED) | — | COLONIAL LIFE | $6K | $191 | $6K | 12.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE (CO) INC | — | UNUM | $5K | $360 | $6K | 11.98% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 745 | $2.7M |
| Dental | METLIFE | 871 | $270K |
| Life insurance(3 contracts) | UNUM | 380 | $297K |
| Short-term disability | COLONIAL LIFE | 50 | $49K |
| Long-term disability(2 contracts) | UNUM | 380 | $249K |
| Other(4 contracts, 2 carriers) | UNUM | 380 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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.