| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS INC. | PO BOX 17975 GREENVILLE, SC 29606 | BLUECHOICE HEALTH PLAN | $158K | — | $158K | 2.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | DELTA DENTAL | $20K | — | $20K | 4.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CCORPORATE BENEFITS INC. | PO BOX 17975 GREENVILLE, SC 29606 | DELTA DENTAL | $542 | — | $542 | 0.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 80 INTERNATIONAL DRIVE, STE. 425 GREENVILLE, SC 29615 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 6.89% |
| CORPORATE BENEFIT ADVISORS3 Filed as: CORPORATE BENEFIT ADVISORS INC. | PO BOX 12089 CHARLOTTE, NC 28220 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 0.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD, STE 300 CHARLOTTE, NC 28211 | VISION SERVICE PLAN | $2K | — | $2K | 3.48% |
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 | 1,008 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTH PLAN | 463 | $6.1M |
| Dental | DELTA DENTAL | 1,008 | $473K |
| Vision | VISION SERVICE PLAN | 303 | $56K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 623 | $382K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 623 | $382K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 623 | $382K |
| Prescription drug | BLUECHOICE HEALTH PLAN | 463 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.