| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY LORE3 Filed as: HARRY W. FLOYD | 7401 CARMEL EXECUTIVE PARK DR. #320 CHARLOTTE, NC 28226 | BLUE CROSS BLUE SHIELD OF NC | $47K | $1K | $48K | 4.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.58% |
| TRINITY CONSULTING, INC.3 | 7401 CARMEL EXECUTIVE PARK DR. #320 CHARLOTTE, NC 28226 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY #125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $364 | — | $364 | 0.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | PRUDENTIAL INSURANCE COMPANIES OF AMERICA | $441 | — | $441 | 3.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 7401 CARMEL EXECUTIVE PARK DR. #320 CHARLOTTE, NC 28226 | USABLE LIFE | $822 | — | $822 | 11.01% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $223 | — | $223 | 2.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | PRUDENTIAL INSURANCE COMPANIES OF AMERICA | $557 | — | $557 | 12.44% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. #1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANIES OF AMERICA | — | $28 | $28 | 0.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | PRUDENTIAL INSURANCE COMPANIES OF AMERICA | $765 | — | $765 | 26.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | PRUDENTIAL INSURANCE COMPANIES OF AMERICA | $557 | — | $557 | 50.23% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 265 | $988K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $44K |
| Vision | BLUE CROSS BLUE SHIELD OF NC | 265 | $988K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 104 | $12K |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 104 | $11K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANIES OF AMERICA | 28 | $12K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 265 | $988K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.