| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD, STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $137K | $42K | $179K | 10.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $107K | $23K | $129K | 12.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 282115588 | VISION SERVICE PLAN | $23K | — | $23K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD, STE 300 CHARLOTTE, NC 28221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | $21K | $73K | 9.81% |
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 | 10,105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 430 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 8,615 | $771K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,260 | $1.6M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,571 | $1.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,232 | $746K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,260 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,260 | — |
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.