| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA5 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | — | CIGNA HEALTH & LIFE INSURANCE CO | — | $180K | $180K | 24.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | — | CIGNA HEALTH & LIFE INSURANCE CO | $62K | — | $62K | 8.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $8K | 13.60% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES, INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.14% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $787 | $787 | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $727 | $727 | 1.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, SC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.45% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES | 1901 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $936 | $936 | 1.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $659 | $659 | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $504 | $504 | 1.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | EYEMED | $2K | — | $2K | 9.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 710 JOHNNIE DODDS BLVD MOUNT PLEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT COMPANY | $2K | — | $2K | 10.75% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $347 | $1K | 7.97% |
| ERIN WIGGINS3 | 2036 TELFAIR WAY CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT COMPANY | $809 | $98 | $907 | 5.12% |
| WILLIAM KRAMER3 | 249 W BOWMORE DR BLYTHEWOOD, SC 29016 | COLONIAL LIFE & ACCIDENT COMPANY | $236 | $7 | $243 | 1.37% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS | 145 RIVER LANDING DR DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT COMPANY | $150 | $85 | $235 | 1.33% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA MCCLUNG PLYER | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT COMPANY | $201 | — | $201 | 1.13% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT COMPANY | $75 | — | $75 | 0.42% |
| BENEFITS AT WORK LLC3 | 1929 YORK DR COLUMBIA, SC 29204 | COLONIAL LIFE & ACCIDENT COMPANY | — | $2 | $2 | 0.01% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DR JACKSONVILLE, SC 32225 | COLONIAL LIFE & ACCIDENT COMPANY | $1 | — | $1 | 0.01% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANNE FELL | 1550 HARRINGTON PARK DR JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT COMPANY | $1 | — | $1 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 710 JOHNNIE DODDS BLVD STE 100 MOUNT PLEASANT, SC 29464 | EDOC HOME | — | $2K | $2K | 16.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 NONE | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | 900 COTTAGE GROVE RD BLOOMFILED, CT 06002 | $23K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | 12399 GRAVOIS RD ST LOUIS, MO 63127 | $12K |
| FLORES & ASSOCIATES EIN 56-1542307 NONE | Claims processing; Account maintenance fees Service code 12 | PO BOX 31397 CHARLOTTE, NC 28231 | $12K |
| CIGNA | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $0 |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO | 386 | $735K |
| Dental | CIGNA HEALTH & LIFE INSURANCE CO | 386 | $724K |
| Vision | EYEMED | 315 | $21K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $118K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $62K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE CO | 386 | $724K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.