| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NW) INC | — | AMERITAS | $12K | — | $12K | 6.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | AMERITAS | $3K | — | $3K | 1.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | AMERITAS | — | $3K | $3K | 1.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INS | — | UNITED OF OMAHA | $9K | $2K | $12K | 18.89% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $997 | $997 | 1.62% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS (ATTACHED) | — | COLONIAL LIFE | $5K | $2K | $7K | 27.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | UNITED OF OMAHA | $3K | $930 | $4K | 19.10% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $388 | $388 | 1.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | UNITED OF OMAHA | $1K | $392 | $2K | 19.45% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $164 | $164 | 1.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | UNITED OF OMAHA | $1K | $225 | $1K | 18.14% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $94 | $94 | 1.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE MANAGEMENT ADM EIN 91-1333840 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $102K |
| GRANULAR INSURANCE CO EIN 91-0742147 INSURANCE SERVICES | Insurance agents and brokers Service code 22 | — | $59K |
| NFP CA INSURANCE SERVICES EIN 94-2741175 BROKER | Insurance agents and brokers Service code 22 | — | $50K |
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 | 236 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 484 | $180K |
| Vision | AMERITAS | 484 | $180K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 304 | $30K |
| Short-term disability | UNITED OF OMAHA | 126 | $9K |
| Long-term disability | UNITED OF OMAHA | 304 | $61K |
| Other(4 contracts, 3 carriers) | AMERITAS | 484 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.