| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $971 | $20K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | DELTA DENTAL OF PENNSYLVANIA | $8K | $0 | $8K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $432 | $9K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES - CHICAGO | 500 WEST MADISON ST, 23ND FL CHICAGO, IL 60661 | EYEMED VISION CARE | $2K | $0 | $2K | 11.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $2K | $113 | $2K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST, 32ND FL CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $2K | $150 | $2K | 16.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST, 32ND FL CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $2K | $133 | $2K | 16.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) | 500 W MADISON ST 32ND FL CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $865 | $65 | $930 | 10.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $51K |
| THE MELTZER GROUP (NFP-MD) EIN 22-3811325 BROKER | Insurance agents and brokers Service code 22 | — | $48K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $43K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $9K |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 294 | $82K |
| Vision | EYEMED VISION CARE | 240 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $187K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $138K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $130K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 168 | $766K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.