| 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 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $347K | — | $347K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | PO BOX 785700 PHILADEPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 0.29% |
| 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 | $581K | — | $581K | 18.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | PO BOX 785700 PHILADEPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 0.59% |
| 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 | $143K | — | $143K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | PO BOX 785700 PHILADEPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 0.70% |
| 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 | $141K | — | $141K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | PO BOX 785700 PHILADEPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 0.71% |
| 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 | $278K | $17K | $296K | 13.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | VISION SERVICE PLAN | $86K | — | $86K | 4.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | PO BOX 785700 PHILADEPHIA, PA 19178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 4.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $3K | $9K | 32.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 WESTLAKE HILLS, TX 74746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $712 | $712 | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ACE AMERICAN INSURANCE COMPANY | $628 | $107 | $735 | 9.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM INC. EIN 56-1449504 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $3.8M |
| CIGNA CORPORATION EIN 59-1031071 NONE | Claims processing Service code 12 | — | $1.7M |
| CAREOPERATIVE, LLC EIN 20-8981027 NONE | Contract Administrator Service code 13 | — | $266K |
| HEALTHGRAM-TELADOC INC. EIN 47-4591265 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $149K |
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 | 14,158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 289 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 12,301 | $1.9M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17,266 | $6.9M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13,716 | $2.8M |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,252 | $3.3M |
| Other(6 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17,266 | $12.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,266 | — |
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.