| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | SYMETRA FINANCIAL | $19K | — | $19K | 15.00% |
| GUCKERT, HUGO, CHRISTOPHER3 Filed as: GUCKERT IV, HUGO C | PO BOX 310 HAMPSTEAD, MD 210740310 | RELIASTAR LIFE INSURANCE COMPANY | $36K | — | $36K | 41.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 282115588 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 16.00% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 4400 PARK RD STE 307 CHARLOTTE, NC 282093139 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 7.39% |
| TRINITY CONSULTING, INC.3 Filed as: TRINITY CONSULTING INC | 7401 CARMEL EXECUTIVE PARK STE 320 CHARLOTTE, NC 282268403 | RELIASTAR LIFE INSURANCE COMPANY | $294 | — | $294 | 0.34% |
| GUCKERT, HUGO, CHRISTOPHER3 Filed as: GUCKERT HUGO CHRISTOPHER | 4500 BLACK ROCK ROAD HAMPSTEAD, MD 21074 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 17.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $82 | $1K | 3.47% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $401 | $284 | $685 | 1.59% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | BENEFITS TECHNOLOGIES-DIV 15 20 WIGHT AVE STE 160 HUNT VALLEY, MD 21030 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $659 | — | $659 | 1.53% |
| JO ANN PANTALONE3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.13% |
| G SCOTT COOKE3 Filed as: SCOTT MCCLEARY | 3500 BROADFIELD RD CHARLOTTE, NC 28226 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.08% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES-DIV 15 20 WIGHT AVE STE 160 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $586 | $76 | $662 | 33.64% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK ROAD STE 310 HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $509 | $42 | $551 | 28.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $188 | $14 | $202 | 10.26% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108 | $6 | $114 | 5.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $189K |
| NFP CORPORATE SERVICES (SE) INC NONE | Consulting (general); Direct payment from the plan Service code 16 | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 282115588 | $90K |
| FLORES & ASSOCIATES EIN 56-1542307 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $16K |
| RSM US LLP EIN 42-0714325 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $14K |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 621 | $243K |
| Vision | VISION SERVICE PLAN | 271 | $75K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 498 | $172K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 337 | $82K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $35K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 584 | $835K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 498 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.