| 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 28211 | SUNLIFE LIFE ASSURANCE COMPANY OF CANADA | $83K | $25K | $108K | 12.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE S | 1250 S CAPITAL OF TEXAS HWY BLDG II STE 125 W LAKE HILLS, TX 78746 | SUNLIFE LIFE ASSURANCE COMPANY OF CANADA | — | $10K | $10K | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $4K | $11K | 5.48% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $345 | $345 | 0.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 13.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $13K | 18.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NC) | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | EYEMED VISION CARE | $3K | — | $3K | 10.82% |
| CAPITOL EMPLOYEE BENEFIT ADVISORS3 Filed as: CAPITOL EMPLOYEE BENEFIT ADVISORS I | 1901 ROXBOROUGH ROAD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 1.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM EIN 56-1449504 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $153K |
| CIGNA CORPORATION EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $61K |
| CAREOPERATIVE, LLC EIN 20-8981027 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
| HEALTHGRAM-ALEGEUS TECHNOLOGIES EIN 90-0808825 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $849 |
| MEDCOST EIN 22-2360010 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $30 |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 232 | $199K |
| Vision | EYEMED VISION CARE | 546 | $31K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 460 | $205K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 460 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 460 | $137K |
| Stop-loss / reinsurancereinsurance | SUNLIFE LIFE ASSURANCE COMPANY OF CANADA | 392 | $845K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 460 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.