| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | UNUM INSURANCE COMPANY OF AMERICA | $7K | $550 | $8K | 10.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE | $4K | — | $4K | 5.79% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE | $2K | — | $2K | 2.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 28220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $217 | $5K | 15.75% |
| CBA3 Filed as: CBA ADVISORS INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $946 | $20 | $966 | 4.02% |
| CBA3 Filed as: CBA ADVISORS INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $430 | — | $430 | 2.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | $32 | $41 | 0.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 11.65% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $956 | — | $956 | 5.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM EIN 56-1449504 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $75K |
| MEDCOST EIN 22-2360010 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
| FIRST HEALTH EIN 20-1736473 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $49 |
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 | 531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE | 194 | $71K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 247 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY OF AMERICA | 531 | $102K |
| Short-term disability | UNUM INSURANCE COMPANY OF AMERICA | 531 | $73K |
| Long-term disability | UNUM INSURANCE COMPANY OF AMERICA | 531 | $73K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.