| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 14.39% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.53% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPORER BLVD STE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $763 | $763 | 0.95% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $459 | $459 | 0.85% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.83% |
| HCW EMPLOYEE BENEFIT SERVICES, LLC3 | 4819 EMPEROR BLVD STE 200 DURHAM, NC 27703 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $366 | — | $366 | 10.01% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $30 | $30 | 0.82% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 376 | $29K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 341 | $54K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $98K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $81K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 341 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.