| 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 | CIGNA | $2K | $28K | $30K | 1.29% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA | $837 | $19K | $20K | 0.88% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $847 | $847 | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.99% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.01% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $585 | $585 | 1.15% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $137 | $137 | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $192 | $0 | $192 | 6.49% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $104 | $0 | $104 | 3.52% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 109 | $2.3M |
| Dental | CIGNA | 109 | $2.3M |
| Vision | CIGNA | 109 | $2.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $62K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
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.