| 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 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $61K | $173K | $234K | 32.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $7K | $30K | 12.88% |
| TRINITY CONSULTING, INC.3 Filed as: TRINITY CONSULTING, INC | 7401 CARMEL EXECUTIVE PARK DR, #320 CHARLOTTE, NC 28226 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.89% |
| SDM&R, INC DBA SENN DUNN INSURANCE3 Filed as: SDM&R INC | PO BOX 9375 GREENSBORO, NC 27429 | METROPOLITAN LIFE INSURANCE COMPANY | $518 | — | $518 | 0.22% |
| 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 | 15.75% |
| 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 | $9K | $664 | $10K | 11.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | AMERITAS LIFE INSURANCE CORP. | $6K | $174 | $7K | 10.27% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $174 | $3K | 7.51% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMOAS, CHRISTOPHER | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $99 | $1K | 3.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | FLORES AND ASSOCIATES | — | $9K | $9K | — |
| 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 | $0 |
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 | 794 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 673 | $716K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 676 | $235K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 794 | $64K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 556 | $139K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $83K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 556 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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.