| 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 HEALTH AND LIFE INSURANCE COMPANY | $132K | — | $132K | 13.59% |
| FOUNDATION RISK PARTNERS CORP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $86K | — | $86K | 8.84% |
| M FINANCIAL HOLDINGS INC3 Filed as: FM FINANCIAL SERVICES, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 4.36% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 32541 | HARTFORD LIFE AND ACCIDENT | $74K | — | $74K | 9.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $50K | — | $50K | 6.23% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CROP | 400 N PONCE DE LEON BLVD SAINT AUGUSTINE, FL 32084 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, (SE) INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 11.22% |
| FOUNDATION RISK PARTNERS CORP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | — | $32K | 7.95% |
| M FINANCIAL HOLDINGS INC3 Filed as: FM FINANCIAL SERVICES, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 4.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | — | $36K | 17.69% |
| FOUNDATION RISK PARTNERS CORP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 12.21% |
| FM FINANCIAL SERVICES INCORPORATED3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 6.22% |
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 | 806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 454 | $1.6M |
| Vision(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 454 | $1.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 806 | $808K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 806 | $808K |
| Other | HARTFORD LIFE AND ACCIDENT | 806 | $808K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.