| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SVCS INC | SUITE 415 7272 E INDIAN SCHOOL RD SCOTTSDALE, AZ 85251 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $101K | $0 | $101K | 1.14% |
| EVEREST FUNERAL PACKAGE LLC5 | SUITE 1210 1300 POST OAK BLVD HOUSTON, TX 770563163 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | -$960 | -$960 | -0.01% |
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 | 20,138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 203 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 618 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 28,854 | $10.8M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 29,197 | $1.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 35,727 | $8.9M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 19,939 | $4.0M |
| Other(4 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 20,704 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,727 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.