| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY FLOYD3 | TRINITY CONSULTING, INC. P.O. BOX 471308 CHARLOTTE, NC 28247 | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | $48K | — | $48K | 2.79% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE. STE 160 HUNT VALLEY, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 23.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DR SUITE 425 GREENVILLE, SC 29615 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 9.81% |
| DWIGHT L PIERCE3 | 1200 E TAFT ST. SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 3.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.90% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $408 | $408 | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.74% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES- DIV 15 20 WIGHT AVE, STE 160 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $86 | $12K | 20.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DR SUITE 425 GREENVILLE, SC 29615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $362 | $6K | 9.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $456 | $3K | 11.63% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE. STE 160 COCKEYSVILLE, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DR SUITE 425 GREENVILLE, SC 29615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $646 | $55 | $701 | 2.88% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE. STE 160 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $250 | $250 | 1.03% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE. STE 160 COCKEYSVILLE, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DR SUITE 425 GREENVILLE, SC 29615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $52 | $1K | 4.73% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE. STE 160 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $246 | $246 | 1.06% |
| TRINITY CONSULTING, INC.3 | 7401 CARMEL EXECUTIVE PARK DRIVE SUITE 320 CHARLOTTE, NC 28226 | FIDELITY SECURITY LIFE | $853 | — | $853 | 6.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | FIDELITY SECURITY LIFE | $492 | — | $492 | 3.61% |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF SOUTH CAROLINA | 164 | $1.8M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $113K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $28K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 373 | $170K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 373 | $123K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.