| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $289K | $25K | $314K | 5.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 14.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $10K | $868 | $11K | 5.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.64% |
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 | 7,116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,024 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 5,886 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,945 | $5.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 7,945 | $5.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,945 | $5.3M |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 8,180 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,180 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.