| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 80 INTERNATIONAL DRIVE STE 425 GREENVILLE, SC 29615 | AETNA LIFE INSURANCE COMPANY | — | $11K | $11K | 0.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 80 INTERNATIONAL DRIVE STE 425 GREENVILLE, SC 29615 | AETNA LIFE INSURANCE COMPANY | — | $9K | $9K | 0.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 12.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 12.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NFP CORPORATE SERVICES SE INC BROKER | Insurance agents and brokers Service code 22 | 80 INTERNATIONAL DRIVE STE 425 GREENVILLE, SC 29615 | $46K |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 518 | $2.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $152K |
| Vision | VISION SERVICE PLAN | 200 | $40K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $23K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $72K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $41K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.