| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 520 N. TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $9K | — | $9K | 1.62% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | PROSPERITY LIFE GROUP | $28K | — | $28K | 17.83% |
| BOBBY R. MAINES JR.3 | 8098 GLADE VALLEY RD. ENNICE, NC 28623 | PROSPERITY LIFE GROUP | $340 | — | $340 | 0.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 WINSTON-SALEM, NC 27101 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 19.39% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SVCS. | 200 GALLERIA PKWY., STE. 1950 ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 5.00% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS INC. | 1381 OLD MILL CIR., #303 WINSTON SALEM, NC 27103 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $430 | $430 | 0.43% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | WELLFLEET | $4K | — | $4K | 23.88% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $3K | — | $3K | 17.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | PROSPERITY LIFE GROUP | $2K | — | $2K | 24.31% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $1K | — | $1K | 17.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 AUSTIN, TX 27101 | WELLFLEET | $1K | — | $1K | 16.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | WELLFLEET | $3K | — | $3K | 39.63% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $1K | — | $1K | 21.53% |
No Schedule C service providers reported on this filing.
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 157 | $722K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 162 | $99K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 162 | $99K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 162 | $99K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 162 | $99K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 162 | $99K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 133 | $565K |
| Other(5 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 162 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.