| 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 | $50K | $500 | $51K | 4.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $275 | $3K | 8.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY #125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $418 | — | $418 | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $268 | $2K | 16.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 CAPITAL OF TEXAS HWY S #600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $134 | $134 | 0.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $197 | $1K | 17.50% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S #600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $98 | $98 | 1.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $766 | $94 | $860 | 16.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 CAPITAL OF TEXAS HWY #600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $47 | $47 | 0.92% |
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 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $42K |
| Vision | BLUE CROSS BLUE SHIELD OF NC | 304 | $1.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $8K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 52 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 75 | $14K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 304 | $1.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $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."
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.