| 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 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.26% |
| 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 | — | $3K | $3K | 5.10% |
| 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 | — | $2K | $2K | 3.74% |
| 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 | — | $3K | $3K | 6.22% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 4400 PARK RD STE 307 CHARLOTTE, NC 282093139 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $0 | $9K | 25.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 282115588 | RELIASTAR LIFE INSURANCE COMPANY | $950 | $0 | $950 | 2.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $872 | $37 | $909 | 2.77% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $503 | $195 | $698 | 2.12% |
| DWIGHT L PIERCE3 | BENEFITS TECHNOLOGIES DIV 15 1200 E TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $366 | — | $366 | 1.11% |
| HUGO CHRISTOPHER GUCKERT3 | 4500 BLACK ROCK ROAD STE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $345 | — | $345 | 1.05% |
| PHILLIP PORTER GOODRUM3 | 4400 PARK RD STE 307 CHARLOTTE, NC 282093139 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.69% |
| JO ANN PANTALONE3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.15% |
| W SCOTT GANTT3 Filed as: SCOTT S MCCLEARY | 3500 BROADFIELD RD CHARLOTTE, NC 28226 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $174K |
| GALLAGHER BENEFIT SERVICES NONE | Consulting (general); Direct payment from the plan Service code 16 | 2850 WEST GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | $115K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $53K |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $13K |
| FLORES & ASSOCIATES EIN 56-1542307 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $10K |
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 | 425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 535 | $202K |
| Vision | VISION SERVICE PLAN | 238 | $82K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $146K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $125K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $54K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 535 | $0 |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.