| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1108 EAST BOULEVARD CHARLOTTE, NC 28203 | THE LINCOLN NTATIONAL LIFE INSURANCE COMPANY | $117K | $0 | $117K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28221 | THE LINCOLN NTATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 0.96% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1108 EAST BOULEVARD CHARLOTTE, NC 28203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $219K | $0 | $219K | 16.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 1.75% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1108 EAST BOULEVARD CHARLOTTE, NC 28203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57K | $0 | $57K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $27K | $27K | 2.43% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1108 EAST BOULEVARD CHARLOTTE, NC 28203 | VISION SERVICE PLAN | $43K | $0 | $43K | 5.00% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1108 EAST BOULEVARD CHARLOTTE, NC 28203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $0 | $42K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 2.70% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1108 EAST BOULEVARD CHARLOTTE, NC 28203 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $19K | $0 | $19K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28221 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $0 | $17K | $17K | 4.43% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: MUTUAL OF OMAHA INSURANCE COMPANY | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $1.5M |
| CIGNA EIN 59-1031071 NONE | Claims processing Service code 12 | — | $1.1M |
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 | 7,917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 5,964 | $866K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NTATIONAL LIFE INSURANCE COMPANY | 9,553 | $2.7M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,485 | $834K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,735 | $1.1M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,298 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,553 | — |
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.