| 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 | HCC LIFE INSURANCE COMPANY | $62K | $4K | $65K | 15.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 282115588 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 8.89% |
| 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 | 8.23% |
| CAROLJANE C ALLEN3 | 3517 CROSSINGS WAY MIDLOTHIAN, VA 23113 | TRANSAMERICA LIFE INSURANCE COMPANY | $946 | — | $946 | 2.42% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $858 | — | $858 | 2.19% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $838 | — | $838 | 2.14% |
| BENEFIT ALERNATIVE INCORPORATED3 | P.O. BOX 804 GOOCHLAND, VA 23063 | TRANSAMERICA LIFE INSURANCE COMPANY | $78 | — | $78 | 0.20% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM JUDGE JR. | 2023 BAY STREET BRISTOL, TN 37620 | TRANSAMERICA LIFE INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| 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 | 9.48% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $36 | — | $36 | 3.11% |
| STEPHANIE H. DREBING3 | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $21 | — | $21 | 1.82% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $20 | — | $20 | 1.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $153K |
| NFP CORPORATE SERVICES (SE), INC. EIN 04-3754674 BROKER | Other commissions Service code 55 | — | $31K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $23K |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 364 | $20K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 89 | $39K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 309 | $60K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 252 | $412K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 89 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.