| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E INDIAN SCHOOL RD #220 SCOTTSDALE, AZ 85251 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $89K | $118K | $207K | 8.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $57K | $3K | $60K | 2.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SVCS INC | 7272 E INDIAN SCHOOL RD #220 SCOTTSDALE, AZ 85251 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $75K | — | $75K | 6.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 1.72% |
| MCCULLUGH, CHRISTINE M3 Filed as: MCCULLUGH CHRISTINE M | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95K | — | $95K | 19.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 00902 | MCS LIFE INSURANCE COMPANY | $5K | — | $5K | 5.94% |
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 | 4,519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $662K |
| Dental | AETNA INTERNATIONAL | 7 | $42K |
| Vision(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 10 | $118K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 22,447 | $2.3M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,363 | $1.1M |
| Prescription drug(3 contracts, 3 carriers) | MCS LIFE INSURANCE COMPANY | 10 | $182K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 22,447 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,447 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.