| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 | POST OFFICE BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $672K | — | $672K | 19.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $139K | — | $139K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | $63K | $150K | 6.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71K | — | $71K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS, LLC 75 STATE ST STE 1710 BOSTON, MA 02109 | VISION SERVICE PLAN | $15K | — | $15K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 02109 | AETNA LIFE INSURANCE CO. | $94K | — | $94K | 9.82% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISOR | 1932 WYNNTON RD COLUMBUS, GA 31999 | TRANSAMERICA LIFE INSURANCE COMPANY | $266K | — | $266K | 32.42% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BENEFITS ADVISORS | ATTN RICKY ELSEY 1932 WYNNTON RD COLUMBUS, GA 31999 | METLIFE LEGAL PLANS, INC | $23K | — | $23K | 9.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.26% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $744 | $744 | 1.42% |
| BRICKWEG, BRANDON S3 Filed as: BRICKWEG, BRANDON S. | 144 HEATHLAND LN MOORESVILLE, NC 28117 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $689 | — | $689 | 1.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE, (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.16% |
| BRICKWEG, BRANDON S3 | 144 HEATHLAND LANE MOORESVILLE, NC 28117 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $263 | $263 | 0.56% |
| ASHCRAFT, BLAIR, W3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $717 | — | $717 | 2.44% |
| ASHCRAFT, BLAIR, W3 Filed as: ASHCRAFT, BLAIR W | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $665 | — | $665 | 2.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 4.87% |
| BRICKWEG, BRANDON S3 | 144 HEATHLAND LN MOORESVILLE, NC 28117 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 2.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY DALLAS, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $24 | $24 | 0.74% |
| ASHCRAFT, BLAIR, W3 Filed as: ASHCRAFT, BLAIR W | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.09% |
| BLAIR W ASHCRAFT3 Filed as: BLAIR W. ASHCRAFT | 4350 CONGRESS ST STE 300 CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 2.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | STE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 2.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 4.90% |
| BRICKWEG, BRANDON S3 | 144 HEATHLAND LANE MOORESVILLE, NC 28117 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 1.21% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $9 | $9 | 0.42% |
| ASHCRAFT, BLAIR, W3 | STE 300 4350 CONGRESS ST CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 2.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 2.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 7.51% |
| BRANDON S BRICKWEG3 Filed as: BRANDON S. BRICKWEG | 144 HEALTHLAND LN MOORESEVILLE, NC 28117 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 2.54% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPTIAL OF TEXAS HWY AUTSIN, TX 78746 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $12 | $12 | 1.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CIGNA CLAIM ADMIN | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $6.2M |
| CIGNA BEHAVIORAL HEALTH EIN 41-1648670 ADMIN OF EAP | Contract Administrator; Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $241K |
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 | 16,630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,228 | $956K |
| Dental | AETNA LIFE INSURANCE CO. | 1,228 | $956K |
| Vision | VISION SERVICE PLAN | 11,829 | $1.7M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 20,216 | $4.1M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,622 | $4.3M |
| Long-term disability(9 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,619 | $1.9M |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 20,216 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,216 | — |
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.