| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L KRIEG3 | 4700 SIX FORKS ROAD, SUITE 200 RALEIGH, NC 27609 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $29K | — | $29K | 1.55% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT MARK MCLEAN | PO BOX 1889 FORT MILL, SC 29716 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $28K | — | $28K | 1.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 9.28% |
| SRA BENEFITS CONSULTING LLC3 | 4700 SIX FORKS ROAD, SUITE 200 RALEIGH, NC 27609 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 8.15% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.91% |
| IBSI HOLDINGS INC3 | 1381 OLD MILL CIRCLE, SUITE 301 WINSTON-SALEM, NC 27103 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.60% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT ROAD BERWYN, PA 19312 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $691 | $691 | 0.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | TRUASSURE INSURANCE COMPANY | $8K | — | $8K | 7.85% |
| SRA BENEFITS CONSULTING LLC3 | 4700 SIX FORKS ROAD, SUITE 200 RALEIGH, NC 27609 | TRUASSURE INSURANCE COMPANY | $5K | — | $5K | 4.65% |
| IBSI HOLDINGS INC3 | 1381 OLD MILL CIRCLE, SUITE 301 WINSTON-SALEM, NC 27103 | TRUASSURE INSURANCE COMPANY | $3K | — | $3K | 3.27% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | TRUASSURE INSURANCE COMPANY | $2K | — | $2K | 1.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $949 | — | $949 | 6.00% |
| SRA BENEFITS CONSULTING LLC3 | 4700 SIX FORKS ROAD, SUITE 200 RALEIGH, NC 27609 | METROPOLITAN LIFE INSURANCE COMPANY | $794 | — | $794 | 5.02% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 255 | $1.8M |
| Dental | TRUASSURE INSURANCE COMPANY | 294 | $105K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $16K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 332 | $173K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 332 | $173K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 332 | $173K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 255 | $1.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 332 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.