| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | STE 3300 1901 ROXBOROUGH ROAD CHARLOTTE, NC 28211 | CIGNA | $48K | — | $48K | 9.55% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | CIGNA | — | $4K | $4K | 0.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | SUITE 300 1901 ROXBOROUGH ROAD CHARLOTTE, NC 28211 | THE HARTFORD | $23K | — | $23K | 16.02% |
| MOSAIC GROUP SERVICES3 | 4811 UNIVERSITY DRIVE DURHAM, NC 27702 | THE HARTFORD | $10K | — | $10K | 7.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | THOMAS ZIMMER, SUITE 600 1250 S CAPITAL OF TX HWY BL 2 AUSTIN, TX 78746 | THE HARTFORD | — | $723 | $723 | 0.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | THE HARTFORD | -$826 | $989 | $163 | 0.11% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP | SUITE 101 18809 WEST CATAWBA AVENUE CORNELIUS, NC 28031 | THE HARTFORD | $43 | — | $43 | 0.03% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | THE HARTFORD | — | -$560 | -$560 | -0.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | STE 315 1901 ROXBOROUGH ROAD CHARLOTTE, NC 28211 | HUMANA | $12K | — | $12K | 9.99% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 164 | $504K |
| Dental | HUMANA | 164 | $115K |
| Vision | CIGNA | 164 | $504K |
| Life insurance | THE HARTFORD | 187 | $143K |
| Long-term disability | THE HARTFORD | 187 | $143K |
| Other | THE HARTFORD | 187 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.