| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1859 SUMMERVILLE AVE STE 600 NORTH CHARLESTON, SC 29405 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $35K | — | $35K | 5.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1859 SUMMERVILLE AVE STE 600 NORTH CHARLESTON, SC 29405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $423 | $16K | 12.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 14.09% |
| JOAN SCHROEDER3 | 606 IVEY RIDGE CT MURRELLS INLET, SC 29576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.78% |
| JOSHUA D MURCHISON3 | 317 WELLNESS COURT MYRTLE BEACH, SC 29579 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.10% |
| RMANN GROUP INC3 | 317 WELLNESS COURT MYRTLE BEACH, SC 29579 | CONTINENTAL AMERICAN INSURANCE COMPANY | $985 | — | $985 | 2.24% |
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 | 149 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 105 | $660K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $125K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $125K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $125K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $125K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $125K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 105 | $660K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.