| 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 | $57K | — | $57K | 3.31% |
| 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 | $17K | $7 | $17K | 13.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $3 | $7K | 5.82% |
| DWIGHT L PIERCE3 | 1200 E TAFT ST. SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 0.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $436 | $436 | 0.34% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $232 | $232 | 0.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $13K | 12.39% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES- DIV 15 20 WIGHT AVE, STE 160 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $605 | $11K | 16.26% |
| 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 | $4K | $288 | $5K | 7.01% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE. STE 160 COCKEYSVILLE, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.24% |
| 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 | $1K | $109 | $1K | 2.48% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE. STE 160 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $425 | $425 | 0.94% |
| 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 | $655 | $4K | 12.30% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 20 WIGHT AVE. STE 160 COCKEYSVILLE, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.54% |
| 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 | $1K | $61 | $1K | 4.74% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES - DIV 15 1200 E TAFT AVE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $238 | $238 | 0.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | FIDELITY SECURITY LIFE | $1K | — | $1K | 10.00% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | 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 | 168 | $1.7M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $102K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $29K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 508 | $200K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 358 | $127K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.