| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH | $49K | $2K | $51K | 10.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | EQUITABLE FINANCIAL LIFE INSURANCE CO. | $28K | $11K | $39K | 21.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | DELTA DENTAL OF NORTH CAROLINA | $11K | $0 | $11K | 10.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | THE HARTFORD | $13 | $2K | $2K | — |
| MOSAIC GROUP SERVICES3 | ATTN JAMES BURNETTE PO BOX 2291 DURHAM, NC 27702 | THE HARTFORD | $0 | $5 | $5 | — |
| WATCHTOWER BENEFITS, LLC Filed as: WATCHTOWER BENEFITS LLC | 227 WEST MONROE STREET, STE 5200 CHICAGO, IL 60606 | THE HARTFORD | $0 | -$1 | -$1 | — |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | THE HARTFORD | $0 | -$131 | -$131 | — |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH | 421 | $475K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 288 | $106K |
| Vision | CIGNA HEALTH | 421 | $475K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE CO. | 191 | $178K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE CO. | 191 | $178K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE CO. | 191 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.