| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTON-IRELAND INSURANCE AGENCY INC3 | PO BOX 3277 TURLOCK, CA 95381 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 9.19% |
| WINTON-IRELAND INSURANCE AGENCY INC3 | PO BOX 3277 TURLOCK, CA 95381 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 8.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD S STE 250 INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $883 | $5K | 12.37% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $736 | $736 | 1.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD S STE 250 INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $902 | $4K | 19.97% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $376 | $376 | 2.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD S STE 250 INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $532 | $2K | 20.06% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $222 | $222 | 2.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD S STE 250 INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $424 | $2K | 19.93% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $177 | $177 | 2.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD S STE 250 INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $741 | $378 | $1K | 15.11% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $157 | $157 | 2.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OH INC | 6450 ROCKSIDE WOODS BLVD S STE 250 INDEPENDENCE, OH 44131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $744 | $251 | $995 | 20.07% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $105 | $105 | 2.12% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $418K |
| Vision(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $388K |
| Life insurance(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $396K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $155K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $146K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 377 | $3.2M |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.