| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $40K | — | $40K | 6.06% |
| TRINITY CONSULTING, INC.3 Filed as: TRINITY CONSULTING, INC | 7401 CARMEL EXECUTIVE PARK DR, #320 CHARLOTTE, NC 28226 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $19K | — | $19K | 2.84% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 5.48% |
| TRINITY CONSULTING, INC.3 Filed as: TRINITY CONSULTING, INC | 7401 CARMEL EXECUTIVE PARK DR, #320 CHARLOTTE, NC 28226 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.26% |
| NFP INSURANCE SERVICES INC Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, NC 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.82% |
| 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 | $21K | $1K | $22K | 15.73% |
| 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 | $7K | $573 | $8K | 9.97% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 6.76% |
| TRINITY CONSULTING, INC.3 Filed as: TRINITY CONSULTING, INC | 7401 CARMEL EXECUTIVE PARK DR, #320 CHARLOTTE, NC 28226 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 3.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Claims processing Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $200K |
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 | 836 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 492 | $657K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $238K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 774 | $61K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 527 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $77K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 527 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.