| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $10K | $27K | 19.06% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.92% |
| 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 | $8K | $3K | $11K | 13.82% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITOL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.84% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITOL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $936 | $936 | 1.60% |
| 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 | $7K | $1K | $8K | 18.32% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITOL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $604 | $604 | 1.39% |
| 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 | $5K | $3K | $8K | 24.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1250 S CAPITOL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 22.34% |
| MARY E BLACKSTONE3 | 555 NORTH PLEASANT BURG DRIVE GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 11.94% |
| BISHOP INSURANCE, LLC3 | 113 HOMESTEAD DRIVE BOILING SPRINGS, SC 29316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.67% |
| JUSTIN M GUIDI3 | 1039 44TH AVE SUITE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $824 | — | $824 | 3.72% |
| BRANDON S FLEMING3 Filed as: BRANDON S FLEMMING | 103 WEST RIDGE DRIVE TRAVELERS REST, SC 29690 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS ST SUITE 200 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $140K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $140K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $58K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.