| 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 | $7 | $0 | $7 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $102 | $21K | 2.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $4K | $10K | 5.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $3K | $10K | 7.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $11K | 10.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 13.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $599 | $599 | 1.90% |
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 | 1,216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 919 | $6.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,802 | $933K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,802 | $933K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,180 | $246K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $74K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,180 | $195K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,180 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,802 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.