| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | AMERITAS LIFE INSURANCE CORP. | $16K | $1K | $17K | 2.69% |
| AON CONSULTING INC3 | 1111 METROPOLITAN AVENUE SUITE 400 CHARLOTTE, NC 28204 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 0.26% |
| CORPORATE BENEFIT ADVISORS3 | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | — | $13K | 7.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES ( SE), INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $7K | $7K | 4.15% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $182K | — | $182K | 117.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES ( SE), INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28221 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $95K | — | $95K | 61.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | EYEMED VISION CARE ON BEHALF OF FIDELITY LIFE INSURANCE COMPANY | $7K | $28 | $7K | 7.03% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 40 WEST BROAD STREET SUITE 210 STE 300 GREENVILLE, SC 29601 | EYEMED VISION CARE ON BEHALF OF FIDELITY LIFE INSURANCE COMPANY | $1K | $3 | $1K | 1.39% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $68K | — | $68K | 100.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $35K | — | $35K | 52.43% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $56K | — | $56K | 90.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | $29K | — | $29K | 48.12% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | $0 | $5 | 4.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- WINSTON SALEM | 29840 NETWORK PLACE CHICAGO, IL 606731296 | FIRST UNUM LIFE INSURANCE COMPANY | $2 | $0 | $2 | 1.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 29840 NETWORK PLACE CHICAGO, IL 606731296 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $2K | $31K | — |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 29840 NETWORK PLACE CHICAGO, IL 606731296 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $1K | $15K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $912 | $14K | — |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE BENEFIT TECHNOLOGIES | 20 WIGHT AVE SUITE 160 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | — |
| AON CONSULTING INC3 Filed as: AON CONSULTING- NEW YORK | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $289 | — | $289 | — |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE US BENETEC WORKPLACE | 700 W HILLSBORO BLVD DEERFIELD BEACH, FL 33441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $249 | — | $249 | — |
| AON CONSULTING INC3 Filed as: AON CONSULTING- BETHESDA | 29810 NETWORK PLACE CHICAGO, IL 606731296 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| CORPORATE BENEFIT ADVISORS3 | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $34K | — | $34K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28221 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $24K | — | $24K | — |
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 | 1,320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 469 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 3,181 | $648K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY LIFE INSURANCE COMPANY | 2,126 | $101K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,790 | $292K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 222 | $13K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 689 | $170K |
| Other(5 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY (VOYA) | 3,790 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,790 | — |
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.