| 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 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $181K | — | $181K | 12.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S BLDG II STE 125 AUSTIN, NC 78746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $84K | — | $84K | 5.73% |
| IMG3 | 2960 N MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $637 | $637 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | AMERITAS LIFE INSURANCE CORP. | $25K | $7K | $32K | 3.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD, SUITE 300 SUITE 300 CHARLOTTE, NC 28211 | SYMETRA LIFE INSURANCE COMPANY | $42K | — | $42K | 13.02% |
| 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 | $10K | — | $10K | 6.09% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON-SALEM | 29840 NETWORK PLACE CHICAGO, IL 606731296 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.34% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT BENEFIT TECHNOLOGIES | 20 WIGHT AVE SUITE 160 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $873 | $111 | $984 | 0.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $675 | $7 | $682 | 0.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- NY | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTNG- BETHESDA | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG II STE 125 AUSTIN, NC 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5 | $5 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | — | $5 | 3.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- WINSTON SALEM | 29840 NETWORK PLACE CHICAGO, IL 606731296 | FIRST UNUM LIFE INSURANCE COMPANY | $2 | — | $2 | 1.41% |
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 | 2,695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 175 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 4,290 | $843K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY LIFE INSURANCE COMPANY | 2,267 | $171K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,688 | $1.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,688 | $1.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,688 | $1.5M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,688 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,290 | — |
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.