| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $382K | $51K | $433K | 17.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $234K | $47K | $281K | 12.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | KAISER FOUNDATION HEALTH PLAN INC. | $36K | — | $36K | 1.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 282115588 | KAISER FOUNDATION HEALTH PLAN INC. | $24K | — | $24K | 1.41% |
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 | 7,693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 291 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,058 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 418 | $3.9M |
| Vision | VISION SERVICE PLAN | 4,550 | $605K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,254 | $2.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,086 | $2.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,086 | $2.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,254 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,254 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.