| 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 SUITE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $93K | — | $93K | 1.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $15K | $38K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $14K | $35K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD, SUITE 315 CHARLOTTE, NC 28211 | UNUM INSURANCE COMPANY | $55K | $11K | $66K | 30.02% |
| NFP INSURANCE SERVICES INC3 | STE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | UNUM INSURANCE COMPANY | $49K | $10K | $59K | 30.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD, SUITE 315 CHARLOTTE, NC 28211 | UNUM INSURANCE COMPANY | $18K | $3K | $20K | 13.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DR SUITE 425 GREENVILLE, SC 29615 | UNUM INSURANCE COMPANY | — | $2K | $2K | 1.25% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD SUITE 1400 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $1K | $276 | $2K | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $636 | $636 | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28221 | FIRST UNUM LIFE INSURANCE COMPANY | — | $449 | $449 | 2.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11 | $11 | 2.06% |
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 | 3,505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 134 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 18 | $427K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 6,157 | $5.4M |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 6,157 | $5.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,557 | $709K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,571 | $801K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,571 | $769K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE COMPANY | 6,157 | $5.4M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,557 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,157 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.