| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $613 | $2K | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $681 | — | $681 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PARK 80 WEST PLAZA TWO 250 PEHLE SUITE 00 SADDLE BROOK, NJ 07663 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | CIGNA GROUP INSURANCE | $5K | $2K | $7K | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PARK 80 WEST PLAZA TWO 250 PEHLE SUITE 00 SADDLE BROOK, NJ 07663 | CIGNA GROUP INSURANCE | $0 | $2K | $2K | 0.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $806 | $6K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PARK 80 WEST PLAZA TWO 250 PEHLE SUITE 00 SADDLE BROOK, NJ 07663 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $766 | $766 | 0.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $291 | $4K | 9.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PARK 80 WEST PLAZA TWO 250 PEHLE SUITE 00 SADDLE BROOK, NJ 07663 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $289 | $289 | 0.64% |
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 | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,719 | $443K |
| Vision | VISION SERVICE PLAN | 394 | $84K |
| Life insurance | CIGNA GROUP INSURANCE | 616 | $312K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 507 | $316K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 350 | $129K |
| Other(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 616 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,719 | — |
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."
No prospect flags tripped on this filing.