| 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 282115588 | METROPOLITAN LIFE INSURANCE CO. | $9K | $10K | $20K | 3.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY SOUTH BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE CO. | $5K | $12 | $5K | 0.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $6K | $31K | 18.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $5K | $26K | 18.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $3K | $18K | 18.42% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CO. | 1,106 | $536K |
| Vision | EYEMED VISION CARE | 968 | $40K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 489 | $142K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 489 | $166K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 489 | $98K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 489 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,106 | — |
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.