| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 710 JOHNNIE DODDS BLVD STE 100 MOUNT PLEASANT, SC 29464 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | $930 | $50K | 10.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1859 SUMMERVILLE AVE STE 600 CHARLESTON, SC 29405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 22.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1859 SUMMERVILLE AVE STE 600 CHARLESTON, SC 29405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 16.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1859 SUMMERVILLE AVE STE 600 CHARLESTON, SC 29405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 15.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1859 SUMMERVILLE AVE STE 600 CHARLESTON, SC 29405 | EDOC HOME | $2K | — | $2K | 16.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1859 SUMMERVILLE AVE STE 600 CHARLESTON, SC 29405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $887 | $527 | $1K | 15.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1859 SUMMERVILLE AVE STE 600 CHARLESTON, SC 29405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $358 | $166 | $524 | 21.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1859 SUMMERVILLE AVE STE 600 CHARLESTON, SC 29405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $161 | $96 | $257 | 15.93% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 246 | $487K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 246 | $477K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 246 | $477K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $42K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $20K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.