| 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 | $46K | — | $46K | 4.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 12.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY #125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $433 | — | $433 | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $564 | $0 | $564 | 15.01% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 304 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $49K |
| Vision | BLUE CROSS BLUE SHIELD OF NC | 304 | $1.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $8K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 51 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 29 | $11K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 304 | $1.0M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.