| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAD HUFF3 Filed as: CHAD A HUFF | P.O. BOX 25172 WINSTON SALEM, NC 27114 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $24K | — | $24K | 4.81% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | P.O. BOX 25172 WINSTON SALEM, NC 27114 | PROSPERITY LIFE GROUP | $22K | — | $22K | 15.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | PROSPERITY LIFE GROUP | $3K | — | $3K | 1.92% |
| BOBBY R. MAINES JR.3 | 8098 GLADE VALLEY RD. ENNICE, NC 28623 | PROSPERITY LIFE GROUP | $188 | — | $188 | 0.14% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | 1691 WESTBROOK PLAZA DR. WINSTON-SALEM, NC 27103 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 16.85% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS | 1381 OLD MILL CIR. #303 WINSTON SALEM, NC 27103 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 7.80% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 4010 OLEANDER DR., STE. 11 WILMINGTON, NC 28403 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.43% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | P.O. BOX 25172 WINSTON SALEM, NC 27114 | WELLFLEET | $7K | — | $7K | 58.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: TTHE HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | WELLFLEET | $876 | — | $876 | 6.91% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | P.O. BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $823 | — | $823 | 6.50% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | P.O. BOX 25172 WINSTON SALEM, NC 27114 | PROSPERITY LIFE GROUP | $5K | — | $5K | 58.09% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | PROSPERITY LIFE GROUP | $541 | — | $541 | 6.90% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | P.O. BOX 25172 WINSTON SALEM, NC 27114 | WELLFLEET | $893 | — | $893 | 14.27% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | P.O. BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $405 | — | $405 | 6.47% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 AUSTIN, TX 27101 | WELLFLEET | $107 | — | $107 | 1.71% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | P.O. BOX 25172 WINSTON SALEM, NC 27114 | WELLFLEET | $2K | — | $2K | 57.77% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE. 302 WINSTON SALEM, NC 27101 | WELLFLEET | $261 | — | $261 | 7.23% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | P.O. BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $235 | — | $235 | 6.51% |
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 | 135 | 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) | 135 | 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 | 204 | $631K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 135 | $106K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 135 | $106K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 135 | $106K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 135 | $106K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 135 | $106K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 204 | $494K |
| Other(5 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 135 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.