| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1901 ROXBOROUGH RD #300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $149K | $0 | $149K | 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 | — | $23K | $23K | 0.76% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL RIGGINS | 1901 ROXBOROUGH RD 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1.4M | $0 | $1.4M | 70.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORAE SERVICES (SE) INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $25K | $25K | 1.24% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL RIGGINS | 1901 ROXBOROUGH RD #300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $246K | $0 | $246K | 15.01% |
| 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 | $23K | $23K | 1.42% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E. RIGGINS | 1901 ROXBOROUGH RD #300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $75K | $0 | $75K | 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 | $28K | $28K | 1.87% |
| RANDALL P SATTERFIELD Filed as: RANDALL E RIGGINS | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | VISION SERVICE PLAN | $52K | $0 | $52K | 5.00% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E. RIGGINS | 1901 ROXBOROUGH RD #300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORAT SERVICES (SE) INC. | 1901 ROXBOROUGH RD #300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 3.29% |
| 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 | $0 | $23K | $23K | 7.19% |
| RANDALL P SATTERFIELD3 Filed as: RANDALL E RIGGINS | 1901 ROXBOROUGH RD #300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 5.00% |
| 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 | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $1.8M |
| CIGNA EIN 59-1031071 NONE | Claims processing Service code 12 | — | $1.5M |
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 | 9,526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 7,213 | $1.0M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,599 | $3.3M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,329 | $683K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,454 | $1.5M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,526 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,599 | — |
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.