| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN DOBSON3 | — | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $229K | — | $229K | 3.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $36K | $5K | $41K | 11.40% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $4K | $4K | 1.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | — | $4K | $4K | 2.37% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $2K | $2K | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | — | $3K | $3K | 2.37% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $1K | $1K | 0.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $11K | $3K | $14K | 12.83% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $1K | $1K | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | — | $1K | $1K | 2.45% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $589 | $589 | 1.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SE INC | — | UNITED OF OMAHA | $5K | $1K | $6K | 12.74% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $515 | $515 | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $7K | $1K | $8K | 17.40% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $437 | $437 | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $8K | $827 | $9K | 22.04% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $345 | $345 | 0.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | — | UNITED OF OMAHA | $6K | $985 | $7K | 17.51% |
| NFP INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | — | $410 | $410 | 1.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 FSA ADM | Contract Administrator Service code 13 | — | $7K |
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 | 756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 954 | $7.4M |
| Dental | UNITED OF OMAHA | 587 | $364K |
| Vision | UNITED OF OMAHA | 546 | $45K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 756 | $163K |
| Short-term disability | UNITED OF OMAHA | 751 | $160K |
| Long-term disability | UNITED OF OMAHA | 754 | $120K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 954 | $7.3M |
| Other(2 contracts) | UNITED OF OMAHA | 756 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.