| 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 | $69K | — | $69K | 15.00% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP, LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HCC LIFE INSURANCE COMPANY | — | $20K | $20K | 4.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP - CORPORATE BENEFIT ADVISORS | 400 GALLERIA PKWY, SUITE 300 CHARLOTTE, NC 282115588 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 11.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.89% |
| CAROLJANE C ALLEN3 | 3517 CROSSINGS WAY MIDLOTHIAN, VA 23113 | TRANSAMERICA LIFE INSURANCE COMPANY | $861 | — | $861 | 2.17% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $713 | — | $713 | 1.80% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $651 | — | $651 | 1.64% |
| BENEFIT ALERNATIVE INCORPORATED3 | P.O. BOX 804 GOOCHLAND, VA 23063 | TRANSAMERICA LIFE INSURANCE COMPANY | $76 | — | $76 | 0.19% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM JUDGE JR. | 2023 BAY STREET BRISTOL, TN 37620 | TRANSAMERICA LIFE INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| 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 | 9.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC | SUITE 300 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 19.46% |
| CAROLJANE C ALLEN3 | 3517 CROSSINGS WAY MIDLOTHIAN, VA 23113 | TRANSAMERICA LIFE INSURANCE COMPANY | $279 | — | $279 | 1.89% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $235 | — | $235 | 1.59% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $219 | — | $219 | 1.48% |
| BENEFIT ALTERNATIVE INCORPORATED3 | P.O. BOX 804 GOOCHLAND, VA 23063 | TRANSAMERICA LIFE INSURANCE COMPANY | $24 | — | $24 | 0.16% |
| WILLIAM JUDGE JR3 | 2023 BAY STREET BRISTOL, TN 37620 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $23 | — | $23 | 2.83% |
| STEPHANIE H. DREBING3 | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $22 | — | $22 | 2.70% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $13 | — | $13 | 1.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $204K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $26K |
| NFP CORPORATE SERVICES (SE), INC. EIN 04-3754674 BROKER | Other commissions Service code 55 | — | $15K |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $24K |
| Life insurance(2 contracts) | TRANSAMERICA LIFE INSURANCE COMPANY | 41 | $54K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 310 | $71K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 282 | $459K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 41 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.