| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST NW, STE. 302 WINSTON-SALEM, NC 27101 | AETNA LIFE INSURANCE CO. | $24K | — | $24K | 0.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | — | $10K | $10K | 0.19% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS, LLC | P.O. BOX 25172 WINSTON-SALEM, NC 27114 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST NW, STE. 302 WINSTON SALEM, NC 27101 | HARTFORD LIFE AND ACCIDENT | $18 | — | $18 | 0.15% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 Filed as: ALLEGACY BENEFIT SOLUTIONS | PO BOX 25172 WINSTON-SALEM, NC 27114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30 | $30 | — |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N TRADE ST NW, STE. 302 WINSTON-SALEM, NC 27101 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | — |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 479 | $5.4M |
| Dental | AETNA LIFE INSURANCE CO. | 479 | $5.4M |
| Vision | AETNA LIFE INSURANCE CO. | 479 | $5.4M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 263 | $12K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 263 | $12K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 263 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.