| 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 | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | ONEAMERICA | $25K | $3K | $27K | 19.26% |
| TRINITY CONSULTING, INC.3 | 7401 CARMEL EXECUTIVE PARK SUITE 320 CHARLOTTE, NC 28226 | ONEAMERICA | $68 | — | $68 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. SUITE 300 CHARLOTTE, NC 282115888 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 7.01% |
| TRINITY CONSULTING, INC.3 | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | COMMUNITY EYE CARE | $3K | — | $3K | 100.00% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 402 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 432 | $120K |
| Vision | COMMUNITY EYE CARE | 360 | $3K |
| Life insurance | ONEAMERICA | 296 | $141K |
| Long-term disability | ONEAMERICA | 296 | $141K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 402 | $1.4M |
| Other | ONEAMERICA | 296 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.