| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | — | $15K | $15K | 1.28% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 0.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 1.25% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 0.75% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD SUITE 1400 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $5K | $671 | $6K | 3.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DR SUITE 425 GREENVILLE, SC 29615 | UNUM INSURANCE COMPANY | — | $5K | $5K | 2.70% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $834 | $834 | 2.03% |
| 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 | — | $488 | $488 | 1.19% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD SUITE 1400 CHARLOTTE, NC 28210 | FIRST UNUM LIFE INSURANCE COMPANY | — | $672 | $672 | 2.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28221 | FIRST UNUM LIFE INSURANCE COMPANY | — | $356 | $356 | 1.14% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD SUITE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11 | $11 | 2.06% |
| 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 | — | $6 | $6 | 1.12% |
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 | 4,124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 235 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 48 | $496K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 6,835 | $336K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,965 | $904K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,974 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,974 | $1.2M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE COMPANY | 6,835 | $336K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,965 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,835 | — |
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.