| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE STE 160 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $832 | $9K | 17.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD, STE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $15 | $3K | 6.72% |
| IMPACT BENEFIT MANAGEMENT SERVICES3 | 3650 MANSELL RD, STE 100 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $51 | $51 | 0.10% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE STE 160 HUNT VALLEY, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 27.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD, STE 300 CHARLOTTE, NC 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 11.95% |
| DWIGHT L PIERCE3 | 1200 E TAFT ST SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 4.06% |
| IMPACT BENEFIT MANAGEMENT SERVICES3 | 3650 MANSELL RD STE 100 ALPHARETTA, GA 30022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $65 | $65 | 0.21% |
| HARRY LORE3 Filed as: HARRY W FLOYD | 7401 CARMEL EXECUTIVE PARK DR CHARLOTTE, NC 28226 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $4K | — | $4K | 13.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Claims processing; Contract Administrator Service code 12 | — | $28K |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 713 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,060 | $268K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 472 | $27K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 467 | $80K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 467 | $48K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 467 | $96K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 713 | $2.4M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 467 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,060 | — |
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."
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.