| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 4.26% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 1.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE INSURANCE COMPANY | $10K | — | $10K | 12.35% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 6.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 14.62% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 7.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $675 | — | $675 | 2.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 19.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.52% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DR #900 ST LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | 0.52% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 27.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COPORATE SVCS INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DR #900 ST LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.18% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 79.72% |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 320 | $157K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 279 | $27K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 522 | $125K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 159 | $78K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 522 | $47K |
| Other(5 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 522 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.