| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY LORE3 Filed as: HARRY W. FLOYD | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF NC | $74K | — | $74K | 4.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 3835 PGA BLVD STE 1101 PALM BEACH, FL 334102720 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 7.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 282115588 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $945 | — | $945 | 0.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NC) INC | 1901 ROXBOROUGH RD. #300 CHARLOTTE, NC 28211 | EYE MED VISION CARE C/O FIDELITY SECURITY LIFE INSURANCE COMPANY | $968 | — | $968 | 9.05% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 362 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $123K |
| Vision | EYE MED VISION CARE C/O FIDELITY SECURITY LIFE INSURANCE COMPANY | 134 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $123K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $123K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $123K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 362 | $1.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.