| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $11K | 4.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $246 | $5K | 16.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $107 | $2K | 16.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $160K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 PPO VENDOR | Direct payment from the plan Service code 50 | — | $30K |
| NFP INC EIN 93-1130365 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 UR/UM | Direct payment from the plan Service code 50 | — | $18K |
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 | 850 | 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) | 850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QBE INSURANCE | 281 | $236K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 880 | $262K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 880 | $244K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 880 | $231K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 880 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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.