| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY LORE3 Filed as: HARRY W. FLOYD | 7401 CARMEL EXECUTIVE PARK DR STE 320 CHARLOTTE, NC 28226 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | ONEAMERICA | $10K | — | $10K | 9.05% |
| TRINITY CONSULTING, INC.3 | 7401 CARMEL EXECUTIVE PARK SUITE 320 CHARLOTTE, NC 28226 | ONEAMERICA | $9K | — | $9K | 8.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. SUITE 300 CHARLOTTE, NC 282115888 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.89% |
| TRINITY CONSULTING, INC.3 | 7401 CARMEL EXECUTIVE PARK SUITE 320 CHARLOTTE, NC 28226 | PRINCIPAL LIFE INSURANCE COMPANY | $988 | — | $988 | 1.08% |
| TRINITY CONSULTING, INC.3 | P.O. BOX 471308 CHARLOTTE, NC 28247 | COMMUNITY EYE CARE | $2K | — | $2K | 10.00% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 315 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 332 | $91K |
| Vision | COMMUNITY EYE CARE | 271 | $19K |
| Life insurance | ONEAMERICA | 224 | $111K |
| Long-term disability | ONEAMERICA | 224 | $111K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 315 | $1.3M |
| Other | ONEAMERICA | 224 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.