| 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 | $36K | — | $36K | 4.94% |
| JOAN SCHROEDER3 | 606 IVEY RIDGE CT MURRELLS INLET, SC 29576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.25% |
| JOSH DAVID MURCHISON3 | 1004 29TH AVE N MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.44% |
| CLAY E. JOHNSON3 Filed as: CLAY E JOHNSON | 928 LONGWOOD BLUFFS CIR MURRELLS INLET, SC 29576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $548 | — | $548 | 0.12% |
| RMANN GROUP INC3 | 1518 BUCKINGHAM AVE MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $393 | — | $393 | 0.09% |
| 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 | $20K | $1K | $21K | 13.57% |
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 | 187 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 111 | $725K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $153K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $153K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $153K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $153K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $153K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 111 | $725K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 189 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.