| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NW INC | — | SUN LIFE | $35K | — | $35K | 9.88% |
| SAUL R LOCKER3 Filed as: SAUL RICHARD LOCKER | — | SUN LIFE | $9K | — | $9K | 2.48% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | — | SUN LIFE | $6K | — | $6K | 1.65% |
| NFP INSURANCE SERVICES INC3 | — | SUN LIFE | — | $3K | $3K | 0.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES NW | — | SUN LIFE | $6K | — | $6K | 75.00% |
| LOCKER SAUL3 Filed as: LOCKER, SAUL RICHARD | — | SUN LIFE | $1K | — | $1K | 15.00% |
| ALEXANDER BENEFITS CONSULTING3 | — | SUN LIFE | $817 | — | $817 | 10.00% |
| NFP INSURANCE SERVICES INC3 | — | SUN LIFE | — | $179 | $179 | 2.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $169K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 PPO VENDOR | Other fees; Direct payment from the plan Service code 50 | — | $26K |
| NFP INC EIN 93-1130365 BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $17K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 UR/UM | Direct payment from the plan; Other fees Service code 50 | — | $15K |
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 | 686 | 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) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD | 175 | $397K |
| Life insurance | SUN LIFE | 1,416 | $352K |
| Short-term disability(2 contracts) | SUN LIFE | 1,416 | $361K |
| Long-term disability | SUN LIFE | 1,416 | $352K |
| Other | SUN LIFE | 1,416 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,416 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.