| 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 | $21K | $150K | $171K | 3.94% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $40K | $47K | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $17K | $17K | 0.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 11.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 11.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: IRONWOOD A MARSH & MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD. SUITE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $805 | $0 | $805 | 11.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: IRONWOOD A MARSH & MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW 800 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $168 | $0 | $168 | 2.47% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 806 | $4.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 806 | $4.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 806 | $4.3M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $170K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $239K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $86K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 243 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.