| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $62K | $8K | $70K | 16.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE BENEFITS ADVISORS | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 282115588 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.08% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.81% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.14% |
| NORMAN E ALLEN JR3 | 1 PARK WEST CIRCLE SUITE 306F MIDLOTHIAN, VA 23114 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.77% |
| BENEFIT ALERNATIVE INCORPORATED3 | P.O. BOX 804 GOOCHLAND, VA 23063 | TRANSAMERICA LIFE INSURANCE COMPANY | $119 | — | $119 | 0.28% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM JUDGE JR. | 9609 GAYTON ROAD SUITE 200 RICHMOND, VA 23238 | TRANSAMERICA LIFE INSURANCE COMPANY | $63 | — | $63 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 282115588 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.16% |
| STEPHANIE H. DREBING3 | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $57 | — | $57 | 4.43% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $37 | — | $37 | 2.87% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $21 | — | $21 | 1.63% |
| RONALD SCHOENHARDT3 Filed as: RONALD B SCHOENHARDT | 337 BLUFF CITY HWY STE 201 BRISTOL, TN 37620 | AFLAC | $59 | — | $59 | 7.03% |
| REGINA H FIELDS3 | P.O. BOX 3148 BLOUNTVILLE, TN 37617 | AFLAC | $32 | — | $32 | 3.81% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $9 | — | $9 | 1.07% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $4 | — | $4 | 0.48% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $151K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 NONE | Contract Administrator Service code 13 | — | $24K |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 264 | $21K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 112 | $43K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 296 | $57K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 265 | $411K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 112 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
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.