| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DRIVE SUITE 425 GREENVILLE, SC 29615 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 4.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF NC | 301 S TRYON STREET SUITE 2600 CHARLOTTE, NC 28282 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 3.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF NC | 214 NORTH TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 2.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTRERNATIONAL DRIVE SUITE 425 GREENVILLE, SC 29615 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 56.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF NC | 301 S TRYON STREET SUITE 2600 CHARLOTTE, NC 28282 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 54.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF NC | 214 NORTH TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 34.59% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $731 | — | $731 | 4.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 1.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC - HQ | 29982 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 CHARLOTTE, NC 28231 | EYEMED VISION CARE | $333 | — | $333 | 6.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | EYEMED VISION CARE | $225 | — | $225 | 4.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(SE), INC. | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | EYEMED VISION CARE | $8 | — | $8 | 5.84% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 95 | $29K |
| Vision(2 contracts) | EYEMED VISION CARE | 73 | $6K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 165 | $75K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 165 | $58K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 165 | $58K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 165 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.