| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $3K | $25K | 16.91% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $692 | $692 | 0.46% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES, INC. | P.O. BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $754 | — | $754 | 4.15% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 603438 CHARLOTTE, NC 282603438 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $743 | — | $743 | 4.09% |
| RICHARD M. HUNT3 Filed as: RICHARD HUNT | 1488 BROWNSTONE HILLS DRIVE ASHEBORO, NC 27205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $688 | — | $688 | 3.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.16% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILLS ROAD LYNCHBURG, VA 245024317 | PRINCIPAL LIFE INSURANCE COMPANY | $120 | — | $120 | 3.65% |
| JESSICA C. LAMB3 | 7805 CORTONA WAY WENDELL, NC 275917371 | PRINCIPAL LIFE INSURANCE COMPANY | $21 | — | $21 | 0.64% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA & ASSOCIATIONS, INC. | 100 MIRACLE MILE SUITE 250 CORAL GABLES, FL 33134 | PRINCIPAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.46% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $150K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $150K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.