| 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 | TOKIO MARINE HCL LIFE INSURANCE COMPANY | $40K | — | $40K | 11.50% |
| CORESOURCE, INC.3 Filed as: CORESOURCE INC | 18401 MAPLE CREEK DRIVE SUITE 300 TINLEY PARK, IL 60477 | TOKIO MARINE HCL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 282113482 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $5K | $12K | 9.83% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG2 AUSTING, TX 787466464 | METROPOLITAN LIFE INSURANCE COMPANY | $995 | $12 | $1K | 0.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE INC EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | 18401 MAPLE CREEK DRIVE SUITE 300 TINLEY PARK, IL 60477 | $41K |
| NFP CORPORATE SERVICES EIN 04-3754674 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 282115588 | $40K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | — | $14K |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $118K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $118K |
| Life insurance(2 contracts, 2 carriers) | TOKIO MARINE HCL LIFE INSURANCE COMPANY | 252 | $470K |
| Other(2 contracts, 2 carriers) | TOKIO MARINE HCL LIFE INSURANCE COMPANY | 252 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.