| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 13.40% |
| FBP INSURANCE SERVICES3 | 2000 CROW CANYON PL STE 220 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 16.51% |
| FBP INSURANCE SERVICES3 | 2000 CROW CANYON PL STE 220 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVCES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $8K | 16.78% |
| FBP INSURANCE SERVICES3 | 2000 CROW CANYON PL STE 220 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $730 | $4K | 12.39% |
| FBP INSURANCE SERVICES3 | 2000 CROW CANYON PL STE 220 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $413 | $2K | 16.76% |
| FBP INSURANCE SERVICES3 | 2000 CROW CANYON PL STE 220 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $863 | — | $863 | 6.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $209 | $58 | $267 | 13.55% |
| FBP INSURANCE SERVICES3 | 2000 CROW CANYON PL STE 220 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $87 | — | $87 | 4.41% |
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 | 681 | 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) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $84K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $73K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $47K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.