| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | -$4 | $127K | $127K | 6.00% |
| CORPORATE BENEFIT ADVISORS3 | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $5K | $27K | 12.39% |
| 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 | $27K | $2K | $29K | 26.57% |
| 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 | $6K | $760 | $7K | 17.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NC) INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO | $2K | — | $2K | 8.68% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 605 | $2.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $218K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO | 476 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $146K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $108K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.