| 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 NATIONAL LIFE INSURANCE COMPANY | $139K | $0 | $139K | 5.00% |
| 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 | $0 | $18K | $18K | 0.63% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1108 EAST BOULEVARD CHARLOTTE, NC 28203 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | $0 | $73K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. SUITE 300 CHARLOTTE, NC 28211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.49% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1901 ROXBOROUGH RD #300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $201K | $0 | $201K | 15.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1901 ROXBOROUGH RD #300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $21K | $21K | 1.60% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1108 EAST BOULEVARD CHARLOTTE, NC 28203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | $0 | $54K | 5.00% |
| 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 | $0 | $18K | $18K | 1.62% |
| RANDALL P SATTERFIELD Filed as: RANDALL E RIGGINS | 1108 EAST BLVD CHARLOTTE, NC 282035706 | VISION SERVICE PLAN | $48K | $0 | $48K | 5.00% |
| RNADALL E RIGGINS3 | 1108 EAST BOULEVARD CHARLOTTE, NC 28203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 5.00% |
| 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 | $0 | $16K | $16K | 3.16% |
| 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 | $6K | $0 | $6K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $1.7M |
| CIGNA EIN 59-1031071 NONE | Claims processing Service code 12 | — | $1.4M |
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 | 8,692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 6,527 | $956K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,782 | $3.3M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,237 | $1.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,221 | $1.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,224 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,782 | — |
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.