| 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 282115588 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 1.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF SOUTH CAROLINA L | 10 N PARK DR STE 200 HUNT VALLEY, MD 210301827 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 1.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 282115588 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 1.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF SOUTH CAROLINA L | 10 N PARK DR STE 200 HUNT VALLEY, MD 210301827 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.89% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.92% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $604 | — | $604 | 0.51% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $484 | $484 | 0.41% |
| SBP, LLC5 Filed as: SBP LLC | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $284 | $284 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $6K | 6.54% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.01% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $926 | $926 | 0.95% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $484 | $484 | 0.50% |
| SBP, LLC5 Filed as: SBP LLC | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $242 | $242 | 0.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $5K | 7.40% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.46% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $739 | $739 | 1.01% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $484 | $484 | 0.66% |
| SBP, LLC5 Filed as: SBP LLC | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $184 | $184 | 0.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | EYEMED VISION CARE | $4K | — | $4K | 5.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $999 | $3K | 11.05% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.78% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $208 | $208 | 0.80% |
| SBP, LLC5 Filed as: SBP LLC | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $62 | $62 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.90% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $223 | $223 | 0.95% |
| SBP, LLC5 Filed as: SBP LLC | 13 WHITE FIELD CT AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $56 | $56 | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | 12399 GRAVOIS RD ST LOUIS, MO 63127 | $38K |
| FLORES & ASSOCIATES EIN 56-1542307 NONE | Account maintenance fees; Other fees; Claims processing Service code 12 | PO BOX 31397 CHARLOTTE, NC 28231 | $12K |
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 | 478 | 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) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $3.4M |
| Vision | EYEMED VISION CARE | 497 | $68K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 470 | $171K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 477 | $117K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 470 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.