| 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 CHARLOTTE, NC 28211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $116K | $40K | $156K | 4.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 1.03% |
| NOVELL INSURANCE LLC3 Filed as: NOVELL INSURANCE | PO BOX 270375 SAN JUAN, PR 00927 | HUMANA | $11K | — | $11K | 4.97% |
| NOVELL INSURANCE LLC3 Filed as: NOVELL INSURANCE, LLC | PO BOX 270375 SAN JUAN, PR 00927 | DELTA DENTAL OF PUERTO RICO, INC. | $696 | — | $696 | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $2K | $208 | $2K | 19.29% |
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 | 10,429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 176 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 48 | $217K |
| Dental | DELTA DENTAL OF PUERTO RICO, INC. | 20 | $70K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO OF AMERICA | 10,591 | $963K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,429 | $3.8M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY | 7,938 | $320K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,962 | $1.9M |
| Prescription drug | HUMANA | 48 | $217K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,036 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,591 | — |
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.