| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBA3 Filed as: CBA, INC. | 1901 ROXBOUROUGH RD STE 315 CHARLOTTE, NC 282115588 | KAISER PERMANENTE | $39K | — | $39K | 1.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $112K | $14K | $126K | 11.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $140K | $12K | $152K | 16.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $63K | $8K | $71K | 11.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79K | $7K | $86K | 15.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $56K | $5K | $62K | 16.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $3K | $35K | 16.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | $3K | $34K | 16.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $2K | $21K | 16.63% |
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 | 8,603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 214 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 545 | $2.6M |
| Vision | VISION SERVICE PLAN | 4,440 | $564K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,603 | $1.7M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 705 | $212K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,349 | $1.5M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,603 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,603 | — |
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.
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.