| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $4K | $733 | $5K | 5.97% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $342 | $342 | 0.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $2K | $241 | $2K | 16.78% |
| NFO INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $106 | $106 | 0.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $1K | $209 | $2K | 17.13% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $93 | $93 | 0.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $1K | $144 | $1K | 16.78% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $66 | $66 | 0.81% |
| MATTECHECK & ASSOCIATES3 | — | VISION SERVICE PLAN | $661 | — | $661 | 8.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | LINCOLN NATIONAL LIFE | $892 | $120 | $1K | 17.03% |
| NFP INSURANCE SERVICES INC3 | — | LINCOLN NATIONAL LIFE | — | $55 | $55 | 0.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 TPA | Contract Administrator; Claims processing Service code 12 | — | $42K |
| NFP CORPORATE SERVICES NW INC EIN 93-1130365 BROKER | Insurance agents and brokers Service code 22 | — | $33K |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE | 96 | $76K |
| Vision | VISION SERVICE PLAN | 94 | $8K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE | 110 | $16K |
| Short-term disability | LINCOLN NATIONAL LIFE | 111 | $8K |
| Long-term disability | LINCOLN NATIONAL LIFE | 86 | $14K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE | 110 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.