| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES INC | 7272 E INDIAN SCHOOL RD STE 220 SCOTTSDALE, AZ 85251 | AETNA LIFE INSURANCE CO. | — | $280K | $280K | 5.94% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP SE | 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | JOHN HANCOCK LIFE INSURANCE COMPANY USA | $18K | — | $18K | 4.80% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 300 JERICHO QUADRANGLE, SUITE 300 WEST JERICHO, NY 11753 | ZURICH AMERICAN INSURANCE COMPANY | $38K | — | $38K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 300 JERICHO QUADRANGLE SUITE 300 WEST JERICHO, NY 11753 | ZURICH AMERICAN INSURANCE COMPANY | $11 | — | $11 | 15.07% |
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 | 4,624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 840 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 191 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 4 | $66K |
| Vision | VISION SERVICE PLAN | 2,815 | $752K |
| Life insurance | AETNA LIFE INSURANCE CO. | 4,717 | $4.7M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 4,717 | $4.7M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $509 |
| Other(4 contracts, 3 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY USA | 5,040 | $925K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,040 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.