| 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 | DELTA DENTAL OF NORTH CAROLINA | $0 | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | SYMETRA FINANCIAL | $16K | — | $16K | 15.00% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 4400 PARK RD STE 307 CHARLOTTE, NC 282093139 | RELIASTAR LIFE INSURANCE COMPANY | $19K | $0 | $19K | 25.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 282115588 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.03% |
| 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 | $2K | $2K | 3.42% |
| 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 | $2K | $2K | 3.02% |
| 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 | $2K | $2K | 4.15% |
| 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 | $1K | $1K | 2.91% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 440 PARK RD STE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | $627 | $2K | 6.13% |
| GOODRUM, PHILLIP, PORTER3 | 4400 PARK RD STE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.16% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $573 | $189 | $762 | 1.87% |
| GUCKERT, HUGO, CHRISTOPHER3 Filed as: GUCKERT HUGO CHRISTOPHER | 4500 BLACK ROCK ROAD STE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $472 | — | $472 | 1.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE)INC | 80 INTERNATIONAL DR STE 425 GREENVILLE, SC 29615 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $472 | — | $472 | 1.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $207 | $16 | $223 | 0.55% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | BENEFITS TECHNOLOGIES-DIV 15 1200 E TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 0.51% |
| JO ANN PANTALONE3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.12% |
| G SCOTT COOKE3 Filed as: SCOTT MCCLEARY | 3500 BROADFIELD RD CHARLOTTE, NC 28226 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES-DIV 15 1200 E TAFT AVE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 4.93% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK ROAD STE 310 HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 4.93% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 2.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DR SUITE 425 GREENVILLE, SC 29615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 2.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $167K |
| NFP CORPORATE SERVICES (SE) INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 282115588 | $68K |
| GALLAGHER BENEFIT SERVICES NONE | Consulting (general); Direct payment from the plan Service code 16 | 2850 WEST GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | $25K |
| FLORES & ASSOCIATES EIN 56-1542307 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $16K |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 567 | $250K |
| Vision | VISION SERVICE PLAN | 269 | $78K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 535 | $181K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $87K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $45K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 552 | $741K |
| Other(4 contracts, 4 carriers) | SYMETRA FINANCIAL | 535 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.