| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY CONSULTING, INC.3 | 7401 CARMEL EXECUTIVE PARK DRIVE SUITE 320 CHARLOTTE, NC 28226 | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | — | $43K | $43K | 5.26% |
| TRINITY CONSULTING, INC.3 | 7401 CARMEL EXECUTIVE PARK DRIVE SUITE 320 CHARLOTTE, NC 28226 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 6.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 80 INTERNATIONAL DRIVE SUITE 425 GREENVILLE, SC 29615 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 3.44% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT ADVISORS | OF THE CAROLINAS 5955 CARNEGIE BLVD, SUITE 150 CHARLOTTE, NC 28209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.45% |
| EMPLPOYEE BENEFIT ADVISORS3 | OF THE CAROLINAS 5955 CARNEGIE BLVD, SUITE 150 CHARLOTTE, NC 28209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.63% |
| TRINITY CONSULTING, INC.3 | 7401 CARMEL EXECUTIVE PARK DRIVE SUITE 320 CHARLOTTE, NC 28226 | UNITEDHEALTHCARE INSURANCE COMPANY | $507 | — | $507 | 5.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | $367 | — | $367 | 4.20% |
| TRINITY CONSULTING, INC.3 | 7401 CARMEL EXECUTIVE PARK DRIVE SUITE 320 CHARLOTTE, NC 28226 | AMERICAN UNITED LIFE INSURANCE COMPANY | $341 | — | $341 | 10.01% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 172 | $810K |
| Dental | UNION SECURITY INSURANCE COMPANY | 88 | $54K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $9K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 113 | $3K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $37K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 113 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
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.