| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE | $5K | — | $5K | 4.62% |
| THE CASON GROUP INC | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE | $2K | — | $2K | 2.32% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $541 | $7K | 10.36% |
| FLORES AND ASSOCIATES | 1218 SOUTH CHURCH ST CHARLOTTE, NC 28203 | FLORES AND ASSOCIATES | — | $2K | $2K | 3.41% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $464 | $7K | 11.42% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $437 | $6K | 16.09% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | COMPANION LIFE | $1K | — | $1K | 10.08% |
| THE CASON GROUP INC | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE | $630 | — | $630 | 5.00% |
| FOUNDERS FINANCIAL GROUP LLC3 | 737 PLANTATION RD LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $75 | $311 | 8.39% |
| SHAWNEENA MERCADO OVERLY | 3958 PARKERS FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $10 | $160 | 4.32% |
| 3C HOLDINGS INC3 | 908 SYDNEY DR CHARLOTTE, NC 28270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $33 | $102 | 2.75% |
| JOANNE K ROY3 | 5500 TURKEY OAK DRIVE MINT HILL, NC 27227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $13 | $68 | 1.83% |
| CAROLINA BENEFITS SOURCE INC3 Filed as: CAROLINA BENEFIT SOURCE INC | 4461 NE 30TH AVE LIGHTHOUSE PT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.76% |
| FOUNDERS FINANCIAL GROUP LLC3 | 737 PLANTATION RD LANCASTER, SC 29720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $13 | $89 | 5.20% |
| SHAWNEENA MERCADO OVERLY3 | 3958 PARKERS FRY FORT MILL, SC 29715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $2 | $48 | 2.80% |
| 3C HOLDINGS INC3 | 908 SYDNEY DR CHARLOTTE, NC 28270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $6 | $31 | 1.81% |
| JOANNE K ROY3 | 5500 TURKEY OAK DR MINT HILL, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $2 | $21 | 1.23% |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FLORES AND ASSOCIATES | 27 | $61K |
| Dental | COMPANION LIFE | 179 | $107K |
| Vision | COMPANION LIFE | 124 | $13K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $46K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $129K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.